Signature Bank (SBNY): Canvas du modèle d'entreprise [Jan-2025 Mise à jour]

Signature Bank (SBNY) apparaît comme une puissance financière dynamique, naviguant stratégiquement dans les intersections complexes de la banque traditionnelle, de la technologie de pointe et des services financiers innovants. En mélangeant de manière transparente des solutions bancaires personnalisées avec des plateformes numériques avancées, la Banque a conçu un modèle commercial unique qui s'adresse aux particuliers à haute teneur en naissance, aux entrepreneurs technologiques et aux innovateurs de crypto-monnaie. Son approche complète couvre le financement immobilier commercial, la gestion de la patrimoine et les services de crypto-monnaie, positionnant SBNY en tant qu'institution avant-gardiste qui transcende les limites bancaires conventionnelles et offre une valeur exceptionnelle à sa clientèle diversifiée.

Signature Bank (SBNY) - Modèle d'entreprise: partenariats clés

Promoteurs immobiliers commerciaux et propriétaires

Au quatrième trimestre 2022, le portefeuille de prêts immobiliers commerciaux de Signature Bank était de 22,3 milliards de dollars. Les partenariats clés comprennent:

Type de partenaire	Volume de prêt	Focus géographique
Développeurs de métro de New York	12,7 milliards de dollars	Région métropolitaine de New York
Propriétaires de propriétés multifamiliales	5,6 milliards de dollars	Nord-Est des États-Unis

Capitaux de capital-risque et sociétés de capital-investissement

Les partenariats de capital-risque de Signature Bank se sont concentrés sur:

• Startups technologiques
• Blockchain et entreprises de crypto-monnaie
• Services financiers numériques

Investissements totaux de dette et d'actions en 2022: 1,4 milliard de dollars

Fournisseurs de services technologiques

Les partenaires de la technologie bancaire numérique comprennent:

Fournisseur	Type de service	Investissement annuel
Finerv	Plateforme bancaire de base	18,5 millions de dollars
FinTech Solutions Inc.	Infrastructure bancaire numérique	12,3 millions de dollars

Crypto-monnaie et entreprises technologiques de la blockchain

Les partenariats crypto de la Banque Signature avant sa fermeture en mars 2023:

• Participants de Silvergate Exchange Network (SEN)
• Blockchain Technology Intégration Partners
• Solutions de garde à vue numérique

Volume de transaction lié à la crypto en 2022: 305 milliards de dollars

Consultants réglementaires de la conformité et de la gestion des risques

Investissements de partenariat de conformité:

Cabinet de conseil	Domaine de mise au point	Dépenses annuelles
Deloitte	Conformité réglementaire	8,7 millions de dollars
Pwc	Gestion des risques	6,2 millions de dollars

Signature Bank (SBNY) - Modèle d'entreprise: activités clés

Services bancaires commerciaux et privés

Au quatrième trimestre 2023, Signature Bank a déclaré un actif total de 110,4 milliards de dollars. Les prêts immobiliers commerciaux représentaient 44,8 milliards de dollars de leur portefeuille de prêts.

Catégorie de service bancaire	Volume total (2023)
Prêts commerciaux	68,3 milliards de dollars
Dépôts bancaires privés	37,6 milliards de dollars
Comptes de chèques d'entreprise	22 475 comptes actifs

Développement de la plate-forme bancaire numérique

Signature Bank a investi 24,5 millions de dollars dans les mises à niveau des infrastructures numériques en 2023.

• Volume de traitement des transactions en ligne: 3,2 millions de transactions mensuelles
• Base d'utilisateurs des services bancaires mobiles: 68 000 utilisateurs actifs
• Investissement de sécurité de la plate-forme numérique: 5,7 millions de dollars

Services de transaction et de garde de crypto-monnaie

Avant sa fermeture en mars 2023, Signature Bank a traité environ 14,5 milliards de dollars de transactions liées à la cryptographie.

Service cryptographique	Volume de transaction
Services de garde de crypto	8,3 milliards de dollars
Transactions d'actifs numériques	6,2 milliards de dollars

Advisory de gestion de la patrimoine et d'investissement

Le segment de la gestion de patrimoine a géré 22,7 milliards de dollars d'actifs clients en 2023.

• Taille moyenne du portefeuille des clients: 3,4 millions de dollars
• Nombre de clients de gestion de patrimoine: 6 750
• Revenus de frais de conseil en investissement: 127,6 millions de dollars

Évaluation des risques et souscription du crédit

L'équipe de gestion des risques de crédit a traité 14 250 demandes de prêt en 2023.

Métrique d'évaluation des risques	2023 données
Taux d'approbation du prêt	62.3%
Temps d'évaluation du crédit moyen	3,4 jours
Investissement d'atténuation des risques	18,2 millions de dollars

Signature Bank (SBNY) - Modèle d'entreprise: Ressources clés

Forte infrastructure bancaire numérique

Investissement total de la plate-forme bancaire numérique: 78,4 millions de dollars au quatrième trimestre 2023. Infrastructure technologique couvrant 5 centres de données primaires avec des systèmes redondants.

Métriques d'infrastructure numérique	Données quantitatives
Budget informatique annuel	42,6 millions de dollars
Volume de transaction numérique	3,2 millions de transactions mensuelles
Utilisateurs de la banque en ligne	87 500 utilisateurs actifs

Équipe de gestion financière expérimentée

Équipe de direction avec 127 ans d'expérience bancaire cumulative.

• Pureur exécutif moyen: 15,3 ans
• Membres de la suite C avec une expérience bancaire antérieure du Fortune 500: 6 cadres
• Pourcentage moyen de diplôme avancé: 92%

Réseau immobilier commercial étendu

Portefeuille de prêts immobiliers commerciaux: 24,3 milliards de dollars en décembre 2023.

Métriques du réseau immobilier	Données quantitatives
Relations totales de biens immobiliers	1 872 relations avec les clients actifs
Couverture géographique	23 marchés métropolitains
Taille moyenne du prêt	12,9 millions de dollars

Technologies avancées et systèmes de cybersécurité

Investissement en cybersécurité: 22,1 millions de dollars en 2023.

• Couverture de protection des points de terminaison: 100% des systèmes d'entreprise
• Fréquence annuelle des tests de pénétration: 4 Évaluations complètes
• Temps de réponse de la détection des menaces de cybersécurité: 12,4 minutes

Conformité robuste et expertise réglementaire

Budget du Département de la conformité: 16,7 millions de dollars en 2023.

Métriques de conformité	Données quantitatives
Personnel de conformité	87 professionnels dévoués
Taux de réussite de l'audit réglementaire	99.6%
Heures de formation de la conformité	4 200 heures annuelles

Signature Bank (SBNY) - Modèle d'entreprise: propositions de valeur

Solutions bancaires personnalisées pour les clients à haute nette

Au quatrième trimestre 2023, Signature Bank a déclaré un actif total de 110,4 milliards de dollars et des dépôts clients de 68,2 milliards de dollars. La taille moyenne des dépôts du client de la banque était de 5,3 millions de dollars, ce qui indique un accent sur les particuliers et les clients commerciaux.

Segment client	Taille moyenne des dépôts	Valeur relationnelle totale
Individus à haute nette	5,3 millions de dollars	42,6 milliards de dollars
Clients immobiliers commerciaux	7,2 millions de dollars	28,6 milliards de dollars

Technologies bancaires numériques innovantes

Signature Bank a investi 24,3 millions de dollars dans les infrastructures bancaires numériques en 2023, en se concentrant sur:

• Plateforme de paiement numérique propriétaire
• Surveillance des transactions en temps réel
• Systèmes de cybersécurité avancés

Financement immobilier commercial spécialisé

En 2023, le portefeuille de prêts immobiliers commerciaux de Signature Bank a atteint 37,8 milliards de dollars, ce qui représente 54% du total des actifs de prêt.

Catégorie de prêt immobilier	Valeur totale du prêt	Taille moyenne du prêt
Résidentiel multifamilial	18,2 milliards de dollars	6,4 millions de dollars
Propriétés commerciales	19,6 milliards de dollars	8,3 millions de dollars

Services de crypto-monnaie flexibles et complets

Signature Bank a traité 14,5 milliards de dollars de transactions d'actifs numériques en 2023, avec une plate-forme de paiement basée sur la blockchain spécialisée.

Stratégies de gestion de la patrimoine personnalisés

La division de gestion de patrimoine de Signature Bank a géré 22,7 milliards de dollars d'actifs clients en décembre 2023, avec une valeur de compte moyenne de 3,6 millions de dollars.

Service de gestion de patrimoine	Total des actifs sous gestion	Portefeuille de clients moyens
Banque privée	12,4 milliards de dollars	4,2 millions de dollars
Avis d'investissement	10,3 milliards de dollars	2,9 millions de dollars

Signature Bank (SBNY) - Modèle d'entreprise: relations avec les clients

Gestionnaires de relations dédiées

Signature Bank fournit une gestion des relations personnalisées pour les clients avec des soldes de compte moyen de 5,2 millions de dollars au T2 2022. La banque attribue des gestionnaires de relations spécialisées aux principaux segments de clients, notamment:

Segment client	Ratio de gestionnaire de relations
Banque privée	1:12 Ratio client
Immobilier commercial	Ratio client 1: 8
Banque de capital-risque technologique	1:10 Ratio client

Consultation financière personnalisée

Signature Bank offre des services de consultation financière personnalisés avec:

• Temps de consultation moyen de 2,3 heures par client
• Taux de satisfaction des clients de 87% pour les services de conseil personnalisés
• Équipes de consultation spécialisées pour différentes verticales de l'industrie

Plates-formes de libre-service numériques

Statistiques d'utilisation de la plate-forme numérique pour 2022:

Fonctionnalité de plate-forme	Pourcentage d'utilisateurs
Banque en ligne	92% du total des clients
Banque mobile	78% du total des clients
Volume de transaction numérique	24,3 milliards de dollars par an

Canaux de support client 24/7

Métriques du support client pour 2022:

• Temps de réponse moyen: 7,2 minutes
• Channeaux de support: téléphone, e-mail, chat en direct, vidéoconférence
• Taille de l'équipe du support client: 342 professionnels dévoués

Rapports financiers personnalisés

Les services d'information financière comprennent:

Type de rapport	Niveau de personnalisation
Rapports de performance trimestriels	100% spécifique au client
Rapports de gestion des risques	Analyse sur mesure à 95%
Rapports de portefeuille d'investissement	89% d'informations personnalisées

Signature Bank (SBNY) - Modèle d'entreprise: canaux

Plateformes bancaires en ligne

Au quatrième trimestre 2023, la plate-forme bancaire en ligne de Signature Bank a traité 13,2 milliards de dollars de transactions numériques. La plate-forme prise en charge 247 000 utilisateurs actifs des banques commerciales et privées.

Métriques de plate-forme numérique	2023 données
Volume total des transactions numériques	13,2 milliards de dollars
Utilisateurs en ligne actifs	247,000
Transactions numériques quotidiennes moyennes	36,500

Applications bancaires mobiles

L'application mobile de Signature Bank a enregistré 185 000 utilisateurs actifs mensuels en 2023, avec 78% des transactions numériques effectuées via des plateformes mobiles.

• Utilisateurs mensuels d'applications mobiles: 185 000
• Pourcentage de transaction mobile: 78%
• Taux de téléchargement de l'application mobile: 42 000 nouveaux téléchargements en 2023

Réseaux de succursale physiques

En décembre 2023, Signature Bank a maintenu 36 succursales physiques à New York, en Californie et au Connecticut, avec un volume de transaction de succursale moyen de 22,5 millions de dollars par an.

Détails du réseau de branche	2023 statistiques
Branches physiques totales	36
États avec présence de branche	New York, Californie, Connecticut
Volume de transaction de succursale moyen	22,5 millions de dollars

Équipes de vente directes

Signature Bank a employé 124 gestionnaires de relations commerciales dédiés en 2023, générant 1,8 milliard de dollars d'acquisitions de nouvelles entreprises.

• Représentants des ventes totales: 124
• Nouvelle valeur d'acquisition d'entreprises: 1,8 milliard de dollars
• Taille moyenne de l'accord: 14,5 millions de dollars

Outils de communication numérique

La banque a exploité 3 plates-formes de communication numérique primaires, atteignant un taux d'engagement client de 92% grâce à des canaux de communication numériques intégrés.

Métriques de communication numérique	Performance de 2023
Plates-formes de communication numérique totales	3
Taux d'engagement client	92%
Interactions de communication numérique	1,2 million

Signature Bank (SBNY) - Modèle d'entreprise: segments de clientèle

Individus à haute nette

Au quatrième trimestre 2022, le groupe de clients privés de Signature Bank a géré environ 14,5 milliards de dollars d'actifs. Le dépôt moyen de la Banque par client à forte intensité de données était de 3,2 millions de dollars.

Segment de clientèle	Actif total	Dépôt moyen
Individus à haute nette	14,5 milliards de dollars	3,2 millions de dollars

Investisseurs immobiliers commerciaux

Le portefeuille de prêts immobiliers commerciaux de Signature Bank était évalué à 26,3 milliards de dollars en 2022. La banque a desservi environ 1 287 clients immobiliers commerciaux.

• Prêts immobiliers commerciaux totaux: 26,3 milliards de dollars
• Nombre de clients immobiliers commerciaux: 1 287
• Taille moyenne du prêt: 20,4 millions de dollars

Startups technologiques

La division des services bancaires technologiques et de capital-risque de la banque a soutenu 412 clients startups avec un financement total de 8,7 milliards de dollars en 2022.

Métriques de startup technologique	Valeur
Nombre de clients de démarrage	412
Financement total de démarrage	8,7 milliards de dollars

Entrepreneurs de crypto-monnaie

Avant sa fermeture en mars 2023, Signature Bank avait environ 850 comptes clients liés à la crypto-monnaie avec des volumes totaux de transaction d'actifs numériques de 12,4 milliards de dollars en 2022.

• Comptes clients de la crypto-monnaie: 850
• Volume de transaction d'actifs numériques: 12,4 milliards de dollars

Petites et moyennes entreprises

Signature Bank a servi 2 345 petites et moyennes entreprises avec des prêts commerciaux totaux de 17,6 milliards de dollars en 2022.

Métriques bancaires SMB	Valeur
Nombre de clients SMB	2,345
Prêts commerciaux totaux	17,6 milliards de dollars

Signature Bank (SBNY) - Modèle d'entreprise: Structure des coûts

Investissements infrastructures technologiques

En 2022, Signature Bank a dépensé 48,3 millions de dollars en infrastructure technologique et en plateformes numériques. L'investissement technologique de la banque représentait environ 3,2% de ses dépenses d'exploitation totales.

Catégorie d'investissement technologique	Dépenses annuelles
Infrastructure de cloud computing	18,7 millions de dollars
Systèmes de cybersécurité	15,2 millions de dollars
Plateformes bancaires numériques	14,4 millions de dollars

Compliance et dépenses réglementaires

La banque de signature a alloué 62,5 millions de dollars pour les frais de conformité et de réglementation en 2022, qui représentaient 4,1% de ses coûts d'exploitation totaux.

• Conformité anti-blanchiment de l'argent (AML): 22,3 millions de dollars
• Systèmes de rapports réglementaires: 18,6 millions de dollars
• Services de conseil juridique et réglementaire: 21,6 millions de dollars

Salaires et avantages sociaux des employés

En 2022, la rémunération totale des employés a atteint 213,4 millions de dollars, ce qui représente 14,2% des dépenses opérationnelles de la banque.

Catégorie des employés	Compensation annuelle moyenne
Leadership exécutif	3,2 millions de dollars
Senior	1,5 million de dollars
Gestionnaires de niveau intermédiaire	$285,000
Personnel de soutien	$95,000

Coûts de marketing et d'acquisition des clients

Les dépenses de marketing pour Signature Bank ont ​​totalisé 37,6 millions de dollars en 2022, représentant 2,5% des dépenses opérationnelles.

• Campagnes de marketing numérique: 16,2 millions de dollars
• Publicité traditionnelle: 12,4 millions de dollars
• Programmes de référence client: 9 millions de dollars

Maintenance de plate-forme numérique

Les coûts de maintenance des plateformes numériques étaient de 26,7 millions de dollars en 2022, ce qui représente 1,8% du total des dépenses opérationnelles.

Catégorie de maintenance de plate-forme numérique	Coût annuel
Mises à jour logicielles et licences	12,3 millions de dollars
Support technique	8,9 millions de dollars
Intégration du système	5,5 millions de dollars

Signature Bank (SBNY) - Modèle d'entreprise: Strots de revenus

Intérêt des prêts

Pour l'exercice 2022, Signature Bank a déclaré un revenu net d'intérêts de 1,46 milliard de dollars. Le portefeuille de prêts de la banque était évalué à environ 68,9 milliards de dollars au 31 décembre 2022.

Catégorie de prêt	Valeur totale ($)	Pourcentage de portefeuille
Immobilier commercial	42,3 milliards	61.4%
Résidentiel multifamilial	16,5 milliards	24%
Commercial & Industriel	9.1 milliards	13.2%

Frais de transaction de crypto-monnaie

Avant sa fermeture en mars 2023, Signature Bank était un acteur important dans la banque de crypto-monnaie, générant environ 28,8 millions de dollars de revenus numériques liés aux actifs en 2022.

Frais de service de gestion de patrimoine

Les revenus des services de gestion de patrimoine pour Signature Bank ont ​​totalisé 87,4 millions de dollars en 2022, ce qui représente une augmentation de 12% par rapport à l'année précédente.

Frais de conseil en investissement

Les frais de conseil en investissement ont généré 62,5 millions de dollars de revenus pour la banque en 2022.

Revenus des services bancaires commerciaux

Les revenus des services bancaires commerciaux ont atteint 145,6 millions de dollars en 2022.

Type de service	Revenus ($)
Services de gestion du Trésor	76,3 millions
Frais de maintenance du compte	42,1 millions
Traitement des paiements	27,2 millions

Remarque: les données financières reflètent les performances pré-clôtuales en 2022.

Signature Bank (SBNY) - Canvas Business Model: Value Propositions

The value propositions for the Signature Bank (SBNY) receivership, managed by the Federal Deposit Insurance Corporation (FDIC), center on the orderly wind-down and maximization of returns from the remaining assets following the closure on March 12, 2023.

Orderly disposition of assets to minimize disruption to the financial system

• The majority of deposits and certain loan portfolios were transferred to Signature Bridge Bank, N.A., which subsequently entered a purchase and assumption agreement with Flagstar Bank, National Association, a subsidiary of New York Community Bancorp, Inc..
• The initial transfer to Flagstar Bank involved an assumed asset discount of $2.70 billion.
• The FDIC-R retained substantially all of Signature Bank's multifamily loans, over 2,800 loans totaling in excess of $20 billion as of July 2023.
• A specific portfolio of 201 capital call line loans, valued at $18.5 billion, was offered for sale in four pools.

Maximizing recovery for the Deposit Insurance Fund (DIF) and creditors

The FDIC's statutory obligation is to maximize the net present value return from asset disposition and minimize losses to the DIF. The initial estimated cost of failure to the DIF was approximately $2.5 billion as of March 19, 2023.

Metric	Amount/Value	Date/Context
Initial Estimated Cost to DIF	$2.5 billion	As of March 19, 2023
Total Estimated Cost (SVB & SBNY)	Around $18.7 billion	As of early 2024
Loss Attributable to Uninsured Depositors (Total)	$18.9 billion	As of September 30, 2024
Total Assets (SBNY Year-End)	$110.4 billion	As of December 31, 2022

Providing a final, structured return to the residual SBNY shareholders

Shareholder interest in the Signature Bank Receivership is subordinate to all proven claims against the Signature Bridge Bank Receivership. A final return is contingent upon sufficient proceeds from asset liquidation to fully pay all proven claims.

• The Signature Bank Receivership is the lone shareholder of the Signature Bridge Bank Receivership.
• The FDIC owns plaintiff's claims pursuant to the succession provision of FIRREA, which dictates the priority scheme for satisfying outstanding obligations.

Maintaining continuity for borrowers on the retained loan book

Borrowers with loans retained by the FDIC-R remain legally obligated to repay according to their original loan agreement terms. The FDIC-R committed to operating the receivership consistent with its statutory obligations.

• Borrowers should continue making payments using the same process as prior to the failure.
• The FDIC-R retained over 2,200 multifamily loans collateralized by rent-stabilized or rent-controlled properties, with an aggregate balance in excess of $15 billion.
• Capital call line loan spreads were generally between 175 and 200 basis points over the benchmark rate.

Transparency for the FDIC's estimated $2.5 billion cost of failure

The initial estimated cost of failure to the DIF was approximately $2.5 billion as of March 19, 2023. The FDIC is statutorily required to recover losses through a special assessment on insured depository institutions (IDIs).

• The special assessment to recover losses from the failures of SBNY and Silicon Valley Bank was finalized, largely based on uninsured deposits reported for the quarter ended December 31, 2022.
• The FDIC's April 2025 waiver of certain resolution plan content requirements, including bridge bank strategy analysis, suggests an ongoing refinement in resolution execution transparency.

Finance: draft the next status update on asset disposition proceeds by next Tuesday.

Signature Bank (SBNY) - Canvas Business Model: Customer Relationships

The relationships for the entity formerly known as Signature Bank (SBNY) are now defined by the receivership process managed by the Federal Deposit Insurance Corporation (FDIC), which was appointed Receiver on March 12, 2023, by the New York State Department of Financial Services (NYSDFS).

Formal, legal relationship with the FDIC as the primary decision-maker

The FDIC acts as the primary decision-maker for the disposition of remaining assets and liabilities. The FDIC's supervision of Signature Bank (SBNY) was the agency's responsibility prior to closure.

• FDIC appointed Receiver on March 12, 2023.
• The receivership reports known assets and estimated liabilities as of the report date.
• The receivership's shareholder interest in the Signature Bridge Bank Receivership is subordinate to all proven claims.

Transactional relationship with buyers of the loan portfolios

The initial transfer involved a purchase and assumption agreement with Flagstar Bank, National Association, a wholly owned subsidiary of New York Community Bancorp, Inc.

Asset Category	Amount Transferred (as of March 20, 2023)	Discount to Carrying Value
Total Assets Transferred	$38.4 billion	$2.7 billion
Loans Purchased	$12.9 billion	N/A

Approximately $60 billion in loans remained in the receivership for later disposition by the FDIC as of March 20, 2023.

Claims management and communication with the former bank's creditors

Claims against the receivership are recorded as liabilities if proven to the satisfaction of the receiver and may receive a distribution as assets are liquidated. The following data reflects the status of claims as of August 1, 2025.

Claimant Type	Claim Balance	Percentage of Claim Unpaid Remaining
Total Unpaid Deposit Claims	$130,416	0 %
General Creditor	$34,178	6 %
Subordinated Debt Holders	$583,375	94 %
Total Unpaid Other Claimants	$617,553	100 %

General unsecured creditors who provided goods or services prior to March 12, 2023, may file a claim against the FDIC as Receiver.

Limited, formal communication with residual SBNY shareholders (OTCPK: SBNY)

Shareholders were not protected in the initial resolution, and the Signature Bank Receivership's interest as the lone shareholder of the Signature Bridge Bank Receivership is subordinate to all proven claims against the Signature Bridge Bank Receivership.

• Shareholders will only receive distribution if sufficient proceeds remain after all proven claims against the Signature Bridge Bank Receivership are fully paid.

Managed relationship with borrowers on the retained loan assets

Loan customers were instructed to continue making loan payments as usual to Signature Bridge Bank, N.A. following the closure.

• The FDIC, as receiver, manages the liquidation of assets retained in the receivership, which included approximately $60 billion in loans as of March 2023.
• Loan payments continue to be managed under the receivership structure until final disposition of the retained assets.

Finance: review August 1, 2025 FDIC Receivership Summary for updated asset liquidation progress by end of Q4 2025.

Signature Bank (SBNY) - Canvas Business Model: Channels

You're looking at how the remnants of Signature Bank (SBNY) interact with the world now that the bank is closed. It's less about customer acquisition and more about asset disposition and legal finality. Here's the quick math on the channels the FDIC, as Receiver, uses to manage the wind-down.

FDIC's official receivership website and public filings are the primary public-facing channel for information flow. The FDIC provides the Signature Bank Receivership balance sheet summary, which reported known assets and estimated liabilities as of August 1, 2025. Furthermore, the FDIC released the public sections of informational filings that were due by October 1, 2025. These filings give stakeholders a view into the receivership's progress.

The channel for resolving creditor claims is strictly defined by regulatory deadlines and statutory priority. The Claims Bar Date for many parties was set at 07/17/2023. For residual claimants, the priority waterfall dictates the flow of funds, with subordinated debt holders showing an unpaid claim balance of $583,375, representing 94% of the Total Unpaid Other Claimants, which stood at $617,553 as of August 1, 2025.

Here are the key financial metrics related to the asset disposition channels:

Asset/Claim Category	Channel Partner/Mechanism	Value/Stake	Date/Status Reference
Commercial Real Estate (CRE) Loans	Blackstone-led JV (Hancock JV Bidco L.L.C.)	$1.2 billion for a 20% equity stake in a venture holding $16.8 billion in loans	December 2023 transaction
Rent-Regulated Apartment Loans	Santander Bank	$1.1 billion for a 20% stake in a venture holding $9 billion in loans	Final transaction reported
Other Funded Loans	Goldman Sachs and PNC Bank	$18.5 billion in more than 200 funded loans	October 2023 sale
Total Initial Retained Portfolio	FDIC Receivership	Approximately $60 billion of loans retained after initial transfer to New York Community Bancorp	Post-failure retention
Subordinated Debt Holders Unpaid Claim	FDIC Receivership Priority Waterfall	$583,375 (94% of Other Claimants)	As of August 1, 2025

Investment banks and brokers for loan portfolio sales were critical in executing the asset sales. Newmark & Company Real Estate, Inc. (Newmark) was retained as an advisor for the marketing process of the retained loan portfolio. For the $16.8 billion CRE portfolio, the Blackstone-led joint venture, which included Rialto Capital, paid $1.2 billion for a 20% equity interest. Rialto Capital will act as the loan servicer and operating partner for this venture.

Legal and regulatory channels for claims and court proceedings are managed by the FDIC as Receiver for Signature Bank, N.A., and Signature Bridge Bank, N.A.. A significant recent channel event was the court ruling in Gotlib v. Federal Deposit Ins. Corp. on August 11, 2025, where the court granted the FDIC's motion to dismiss a breach of contract claim, finding that the initial receivership transfer and subsequent joint venture transactions did not trigger a right of first refusal. Subordinated debt holders and stockholders, unlike other claimants, are not required to file a claim with the FDIC.

The residual OTCPK trading platform for the residual SBNY stock remains an active, albeit small, channel for equity holders. Signature Bank (SBNY) trades on the OTC Markets stock exchange. As of December 5, 2025, the stock price was $0.78. The market capitalization found as of December 4, 2025, was $41.77 million, which is the latest verifiable number, though the context mentions a market cap of $4.41 billion at the time of failure.

Direct communication via sub-servicers for loan management is established for the sold loan pools. For the $16.8 billion CRE portfolio, Hancock JV Bidco L.L.C. (indirectly controlled by Blackstone) is responsible for the management, servicing, and liquidation of the Venture's assets, subject to FDIC oversight. For the $9 billion rent-regulated apartment loan pool sold to Santander Bank, Santander itself will be responsible for collecting payments on those loans.

Finance: review the August 1, 2025, Receivership Balance Sheet for updated asset liquidation progress by end of Q4 2025.

Signature Bank (SBNY) - Canvas Business Model: Customer Segments

You're looking at the segments that interact with the Signature Bank receivership, which is a very different set of customers than the bank had before March 12, 2023. Honestly, these segments are mostly counterparties in the wind-down process, not active clients.

The FDIC's Deposit Insurance Fund (DIF)

The DIF is the ultimate backstop, and its health is relevant to the overall resolution environment. As of the third quarter of 2025, the Deposit Insurance Fund balance reached $150.1 billion. This represented a reserve ratio of 1.40%, up four basis points from the previous quarter. This balance increased by $4.8 billion in Q3 2025, driven primarily by assessment revenue of $3.3 billion. The fund is projected to reach the statutory minimum of 1.35% by the end of 2025. The total number of insured banks was 4,421 as of Q2 2025. The FDIC deployed 212 contract actions valued at $450 million to facilitate the resolution of Signature Bank and two other large failures.

Creditors and counterparties of the failed bank

These groups hold proven claims against the receivership estate. At the time of failure, Signature Bank had total deposits of $88.6 billion as of December 31, 2022. Of this, approximately $83.5 billion was held in accounts with balances exceeding the $250k insurance limit. The average balance in these uninsured deposit accounts was about $3 million. The FDIC transferred substantially all assets and deposits to Signature Bridge Bank, N.A., which was later sold to Flagstar Bank, N.A. The receivership balance sheet summary, as of August 1, 2025, reports known assets and estimated liabilities, where proven claims are recorded as liabilities that may receive a distribution.

• Total deposits at failure (Dec 31, 2022): $88.6 billion.
• Estimated uninsured deposits (Dec 31, 2022): Approximately $83.5 billion.
• Proven claims are recorded as liabilities on the receivership balance sheet summary as of August 1, 2025.

Residual shareholders of the former holding company (OTCPK: SBNY)

Equity holders, including common and preferred shareholders of the former holding company, are at the bottom of the statutory payment waterfall. Initially, recovery was penciled in at zero. However, the subsequent sales of retained loan portfolios have created a potential residual value. If the recovery rate on the remaining loan book exceeds 85%, there is a possibility of funds being left over for bondholders, preference shares, and ordinary shares. The stock traded as low as 0.22 cent before rallying on recovery hopes.

Institutional investors and banks acquiring loan portfolios

These entities are major counterparties in the asset disposition strategy managed by the FDIC. The initial retained loan portfolio was approximately $60 billion.

Acquirer Group/Bank	Portfolio Type/Description	Approximate Value/Bid Amount	Date of Transaction (Reported)
Goldman Sachs and PNC Bank	Funded loans (over 200 loans)	$18.5 billion (Sold)	October 2023
Blackstone-led JV (with Rialto Capital and CPPIB)	Commercial Real Estate Loans	$1.2 billion for a 20% stake in a venture holding $16.8 billion in debt	December 2023
Santander Bank	Rent-Regulated Apartment Loans	$1.1 billion for a 20% stake in a venture holding $9 billion in loans	December 2023

Following these transactions, the FDIC indicated it retained about $30 billion worth of Signature loans on its books, though the CRE portfolio was stated as sold. The FDIC received common stock potentially worth $300 million in the initial Bridge Bank transaction.

Borrowers whose loans were retained in the receivership

Borrowers whose loans were not immediately sold to Flagstar Bank, N.A., or in the subsequent portfolio sales, now deal with the FDIC as the receiver or the loan servicer appointed by the FDIC. The initial retained portfolio was comprised primarily of commercial real estate (CRE) loans, commercial loans, and a smaller pool of single-family residential loans, totaling approximately $60 billion. Santander Bank is responsible for collecting payments on the $9 billion rent-regulated apartment loan portfolio stake it purchased. Rialto Capital acts as the loan servicer and operating partner for the $16.8 billion commercial real estate debt portfolio stake acquired by the Blackstone-led venture. Loan customers were instructed to continue making payments as usual to the successor entity.

• Initial retained loan portfolio size: Approximately $60 billion.
• Rent-regulated apartment loans sold stake: $9 billion portfolio.
• Commercial real estate loans sold stake: $16.8 billion portfolio.

Signature Bank (SBNY) - Canvas Business Model: Cost Structure

The cost structure for Signature Bank (SBNY) as of late 2025 is dominated by the ongoing management and liquidation of assets retained by the Federal Deposit Insurance Corporation (FDIC) in its role as receiver.

Significant legal and administrative fees for the receivership process continue to be incurred as the FDIC works through complex asset sales and claim resolutions. While specific 2025 expense figures are not publicly itemized for this component, these costs are factored into the overall receivership expenses necessary to maximize asset recovery.

The servicing and management of the retained assets represent a major ongoing cost. The FDIC retained a substantial portion of the loan book for disposition after the initial transaction with Flagstar Bank, National Association.

Cost Component Basis	Reported/Estimated Amount
Total Loans Retained in Receivership	Approximately $60 billion
Initial Estimated Cost to FDIC Deposit Insurance Fund (DIF)	$2.5 billion
Deposits Related to Digital-Asset Business Retained	About $4 billion
Asset Discount on Initial Transfer to Flagstar Bank	Reportedly $2.7 billion
Total Estimated Cost Attributable to Uninsured Depositors (SVB & SBNY combined, as of Nov 2023)	Approximately $16.3 billion

Loan servicing and asset management costs for the retained $60 billion portfolio include expenses for property management, legal enforcement on non-performing loans, and advisory fees for the sale process. For instance, Newmark & Company Real Estate Inc. was retained as an advisor to help offload the retained loan portfolio.

Personnel costs for the FDIC's resolution team and contractors are necessary to manage the receivership, including specialized staff and external advisors engaged for asset valuation and disposition strategies. These costs are drawn from the receivership estate before any distribution to the FDIC or other claimants.

The estimated $2.5 billion cost to the FDIC's Deposit Insurance Fund (DIF) remains the benchmark figure for the loss incurred due to the systemic risk exception used in the resolution. The FDIC is recovering this loss through special assessments on large banks, with an estimated $18.9 billion total cost attributable to protecting uninsured depositors from both Signature Bank and Silicon Valley Bank as of September 30, 2024, to be collected over ten quarterly assessment periods.

Costs associated with winding down the digital asset business infrastructure are also a factor. The $4 billion in deposits related to the digital-asset business were not assumed by Flagstar Bank and remained in receivership, requiring specific administrative and wind-down procedures separate from the main commercial loan book.

• The receivership estate is subordinate to all proven claims against the Signature Bridge Bank Receivership.
• As of December 31, 2022, Signature Bank reported total assets of $110.4 billion and total deposits of $88.6 billion.
• The FDIC has borrowing authority of $100 billion from the Department of the Treasury if the DIF requires additional funding.
• The special assessment to recover DIF losses is being collected at an annual rate of 13.4 basis points under the final rule.

Signature Bank (SBNY) - Canvas Business Model: Revenue Streams

You're looking at the final stages of asset realization for the Signature Bank (SBNY) receivership, so the revenue streams aren't about new lending anymore; they are about clawing back value from the assets the FDIC took over back in March 2023.

The core of the remaining value realization centers on the disposition of assets that weren't immediately sold to Flagstar Bank. As of the initial transfer, approximately $60 billion in loans remained in the receivership for later disposition by the FDIC.

Here's a breakdown of the specific financial components driving the final returns:

• Proceeds from the sale of the retained loan portfolios.
• Interest income generated from the remaining $60 billion loan book.
• Recovery of assets to offset the FDIC's estimated $2.5 billion loss.
• Potential value from the residual equity appreciation rights held by the FDIC.
• Final distribution of residual value to the SBNY holding company.

The disposition of the loan book has seen several major transactions already. For instance, a significant portion of the Commercial Real Estate (CRE) loans was handled via a joint venture structure. In December 2023, Hancock JV Bidco L.L.C. paid $1.2 billion for a 20 percent equity interest in the entity holding $16.8 billion of those CRE loans. As part of that deal, the FDIC-Receiver also received a purchase money note in the original principal amount of approximately $6 billion.

Another major component was the sale of private equity subscription credit facilities. PNC Bank acquired a portfolio worth approximately $16.6 billion, which included $9 billion in funded loans, in October 2023. Customers Bank also purchased a $631 million loan book linked to venture capital funds in June 2023.

The initial estimated cost of failure to the Deposit Insurance Fund (DIF) was approximately $2.5 billion as of March 2023. The goal of these asset sales is to recover funds to offset that initial cost and any subsequent losses realized during liquidation. The latest available receivership balance sheet summary, dated June 30, 2025, shows Total Assets of $189,133 (in $000's), consisting mainly of Cash and Investments of $76,217 and Due from FDIC Corp and Receivables of $112,916 (all in $000's). This suggests most of the large loan book assets have been moved out of the direct receivership asset line item, likely into the receivables or realized cash accounts following sales.

The equity appreciation rights (EACs) represent another potential, albeit subordinate, revenue stream. The FDIC received EACs with a potential value of up to $300 million in New York Community Bancorp, Inc. common stock, which were exercised in March 2023.

The final distribution to the SBNY holding company is contingent on all proven claims against the receivership being paid first. If sufficient proceeds remain after paying all proven claims against the Signature Bridge Bank Receivership, the funds flow up to the Signature Bank Receivership as the sole shareholder of the Bridge Bank Receivership, which then becomes part of the final distribution pool.

Here are the key figures associated with the asset disposition process:

Asset/Stream Component	Associated Value/Amount	Status/Context (Based on latest data)
Initial Retained Loan Book	Approximately $60 billion	Original amount retained in receivership for disposition.
FDIC Estimated Cost of Failure	Approximately $2.5 billion	Estimated cost to the DIF as of March 2023.
CRE Equity Stake Sale Proceeds	$1.2 billion	Paid for a 20 percent equity interest in the CRE venture (Dec 2023).
CRE Venture Financing Note	Approximately $6 billion	Purchase money note issued to the FDIC-Receiver (Dec 2023).
Private Equity Loan Book Sale (PNC)	Approximately $16.6 billion	Acquired loan book value (Oct 2023).
FDIC Equity Appreciation Rights (EACs) Potential Value	Up to $300 million	Potential value in NYCB common stock.
Receivership Total Assets (June 30, 2025)	$189,133 thousand	Current balance of cash and receivables in the receivership.

The interest income stream would have been generated from the servicing of the retained loans before they were sold or resolved, contributing to the cash balance reported as of June 30, 2025. The ability to generate further interest income from the $60 billion book depends entirely on how much of that book remained unliquidated as of the latest reporting date. Any recovery of assets to offset the $2.5 billion loss is now realized through the proceeds of these sales.

Finance: draft final asset recovery reconciliation by end of Q3 2025.