Signature Bank (SBNY): Modelo de Negócios Canvas [Jan-2025 Atualizado]

O Signature Bank (SBNY) surge como uma potência financeira dinâmica, navegando estrategicamente nas interseções complexas de bancos tradicionais, tecnologia de ponta e serviços financeiros inovadores. Ao misturar perfeitamente soluções bancárias personalizadas com plataformas digitais avançadas, o banco criou um modelo de negócios exclusivo que atende a indivíduos de alta rede, empresários de tecnologia e inovadores de criptomoedas. Sua abordagem abrangente abrange serviços comerciais de financiamento imobiliário, gerenciamento de patrimônio e criptomoeda, posicionando o SBNY como uma instituição de visão de futuro que transcende os limites bancários convencionais e oferece valor excepcional à sua diversificada base de clientes.

Signature Bank (SBNY) - Modelo de Negócios: Principais Parcerias

Proprietários imobiliários comerciais e proprietários de imóveis

No quarto trimestre 2022, a carteira de empréstimos imobiliários do Signature Bank era de US $ 22,3 bilhões. As principais parcerias incluem:

Tipo de parceiro	Volume de empréstimo	Foco geográfico
Desenvolvedores de metrô de Nova York	US $ 12,7 bilhões	Área metropolitana da cidade de Nova York
Proprietários de imóveis multifamiliares	US $ 5,6 bilhões	Nordeste dos Estados Unidos

Empresas de capital de risco e private equity

As parcerias de capital de risco do Signature Bank focadas em:

• Startups de tecnologia
• Blockchain e empresas de criptomoeda
• Serviços financeiros digitais

Dívida Total de Venture e Investimentos de Equidade em 2022: US $ 1,4 bilhão

Provedores de serviços de tecnologia

Os parceiros de tecnologia bancária digital incluem:

Provedor	Tipo de serviço	Investimento anual
Fiserv	Plataforma bancária principal	US $ 18,5 milhões
Fintech Solutions Inc.	Infraestrutura bancária digital	US $ 12,3 milhões

Empresas de tecnologia de criptomoedas e blockchain

As parcerias criptográficas do Signature Bank antes de seu fechamento em março de 2023:

• Participantes da rede de troca de Silvergate (Sen)
• Blockchain Technology Integration Partners
• Soluções de custódia de ativos digitais

Volume de transações relacionadas a criptografia em 2022: US $ 305 bilhões

Consultores de conformidade regulatória e gerenciamento de riscos

Investimentos da Parceria de Conformidade:

Empresa de consultoria	Área de foco	Despesas anuais
Deloitte	Conformidade regulatória	US $ 8,7 milhões
Pwc	Gerenciamento de riscos	US $ 6,2 milhões

Signature Bank (SBNY) - Modelo de Negócios: Atividades -chave

Serviços bancários comerciais e privados

A partir do quarto trimestre 2023, o Signature Bank reportou ativos totais de US $ 110,4 bilhões. Os empréstimos imobiliários comerciais representaram US $ 44,8 bilhões em sua carteira de empréstimos.

Categoria de serviço bancário	Volume total (2023)
Empréstimos comerciais	US $ 68,3 bilhões
Depósitos bancários privados	US $ 37,6 bilhões
Contas de corrente de negócios	22.475 contas ativas

Desenvolvimento da plataforma bancária digital

O Signature Bank investiu US $ 24,5 milhões em atualizações de infraestrutura digital em 2023.

• Volume de processamento de transações on -line: 3,2 milhões de transações mensais
• Mobile Banking User Base: 68.000 usuários ativos
• Investimento de segurança da plataforma digital: US $ 5,7 milhões

Serviços de transação de criptomoeda e custódia

Antes de seu fechamento em março de 2023, o Banco Signature processou aproximadamente US $ 14,5 bilhões em transações relacionadas a criptografia.

Serviço de criptografia	Volume de transação
Serviços de custódia criptográfica	US $ 8,3 bilhões
Transações de ativos digitais	US $ 6,2 bilhões

Gerenciamento de patrimônio e consultoria de investimento

O segmento de gerenciamento de patrimônio administrou US $ 22,7 bilhões em ativos de clientes em 2023.

• Tamanho médio do portfólio de clientes: US $ 3,4 milhões
• Número de clientes de gerenciamento de patrimônio: 6.750
• Receita de taxa de consultoria de investimento: US $ 127,6 milhões

Avaliação de risco e subscrição de crédito

A equipe de gerenciamento de riscos de crédito processou 14.250 pedidos de empréstimo em 2023.

Métrica de avaliação de risco	2023 dados
Taxa de aprovação de empréstimos	62.3%
Tempo médio de avaliação de crédito	3,4 dias
Investimento de mitigação de risco	US $ 18,2 milhões

Signature Bank (SBNY) - Modelo de negócios: Recursos -chave

Forte infraestrutura bancária digital

Investimento total da plataforma bancária digital: US $ 78,4 milhões a partir do quarto trimestre 2023. Infraestrutura tecnológica que abrange 5 data centers principais com sistemas redundantes.

Métricas de infraestrutura digital	Dados quantitativos
Orçamento anual de TI	US $ 42,6 milhões
Volume de transação digital	3,2 milhões de transações mensais
Usuários bancários online	87.500 usuários ativos

Equipe de gestão financeira experiente

Equipe de liderança sênior com 127 anos cumulativos de experiência bancária.

• PRODIÇÃO EXECUTIVO Média: 15,3 anos
• Membros C-Suite com experiência bancária anterior da Fortune 500: 6 executivos
• Porcentagem média de grau avançado: 92%

Extensa rede imobiliária comercial

Portfólio de empréstimos imobiliários comerciais: US $ 24,3 bilhões em dezembro de 2023.

Métricas de rede imobiliária	Dados quantitativos
Total de relacionamentos imobiliários	1.872 relacionamentos ativos do cliente
Cobertura geográfica	23 mercados metropolitanos
Tamanho médio do empréstimo	US $ 12,9 milhões

Sistemas avançados de tecnologia e segurança cibernética

Investimento de segurança cibernética: US $ 22,1 milhões em 2023.

• Cobertura de proteção de terminais: 100% dos sistemas corporativos
• Frequência anual de teste de penetração: 4 avaliações abrangentes
• Tempo de resposta à detecção de ameaça de segurança cibernética: 12,4 minutos

Conformidade robusta e experiência regulatória

Orçamento do Departamento de Conformidade: US $ 16,7 milhões em 2023.

Métricas de conformidade	Dados quantitativos
Equipe de conformidade	87 profissionais dedicados
Taxa de sucesso da auditoria regulatória	99.6%
Horário de treinamento de conformidade	4.200 horas anuais

Signature Bank (SBNY) - Modelo de Negócios: Proposições de Valor

Soluções bancárias personalizadas para clientes de alto patrimônio líquido

A partir do quarto trimestre 2023, o Signature Bank reportou ativos totais de US $ 110,4 bilhões e depósitos de clientes de US $ 68,2 bilhões. O tamanho médio do depósito do cliente do banco foi de US $ 5,3 milhões, indicando um foco em indivíduos e clientes comerciais de alta rede.

Segmento de cliente	Tamanho médio do depósito	Valor total do relacionamento
Indivíduos de alta rede	US $ 5,3 milhões	US $ 42,6 bilhões
Clientes imobiliários comerciais	US $ 7,2 milhões	US $ 28,6 bilhões

Tecnologias bancárias digitais inovadoras

O Signature Bank investiu US $ 24,3 milhões em infraestrutura bancária digital em 2023, com foco em:

• Plataforma de pagamento digital proprietária
• Monitoramento de transações em tempo real
• Sistemas avançados de segurança cibernética

Financiamento imobiliário comercial especializado

Em 2023, a carteira de empréstimos imobiliários comercial do Signature Bank atingiu US $ 37,8 bilhões, representando 54% do total de ativos de empréstimos.

Categoria de empréstimo imobiliário	Valor total do empréstimo	Tamanho médio do empréstimo
Residencial multifamiliar	US $ 18,2 bilhões	US $ 6,4 milhões
Propriedades comerciais	US $ 19,6 bilhões	US $ 8,3 milhões

Serviços de criptomoeda flexíveis e abrangentes

O Signature Bank processou US $ 14,5 bilhões em transações de ativos digitais em 2023, com uma plataforma de pagamento baseada em blockchain especializada.

Estratégias de gerenciamento de patrimônio personalizado

A divisão de gerenciamento de patrimônio do Signature Bank conseguiu US $ 22,7 bilhões em ativos de clientes em dezembro de 2023, com um valor médio de conta de US $ 3,6 milhões.

Serviço de gerenciamento de patrimônio	Total de ativos sob gestão	Portfólio médio de clientes
Private Banking	US $ 12,4 bilhões	US $ 4,2 milhões
Aviso de investimento	US $ 10,3 bilhões	US $ 2,9 milhões

Signature Bank (SBNY) - Modelo de Negócios: Relacionamentos do Cliente

Gerentes de relacionamento dedicados

O Signature Bank fornece gerenciamento de relacionamento personalizado para clientes com saldos médios de conta de US $ 5,2 milhões a partir do quarto trimestre 2022. O banco atribui gerentes de relacionamento especializados aos principais segmentos de clientes, incluindo:

Segmento de cliente	Razão de gerente de relacionamento
Private Banking	1:12 Razão do cliente
Imóveis comerciais	1: 8 Razão do cliente
Tecnology Venture Banking	1:10 Razão do cliente

Consulta financeira personalizada

O Signature Bank oferece serviços de consulta financeira personalizados com:

• Tempo médio de consulta de 2,3 horas por cliente
• 87% Taxa de satisfação do cliente para serviços de consultoria personalizados
• Equipes de consulta especializadas para diferentes verticais da indústria

Plataformas de autoatendimento digital

Estatísticas de uso da plataforma digital para 2022:

Recurso da plataforma	Porcentagem de usuários
Bancos online	92% do total de clientes
Mobile Banking	78% do total de clientes
Volume de transação digital	US $ 24,3 bilhões anualmente

Canais de suporte ao cliente 24/7

Métricas de suporte ao cliente para 2022:

• Tempo médio de resposta: 7,2 minutos
• Canais de suporte: telefone, e -mail, bate -papo ao vivo, videoconferência
• Tamanho da equipe de suporte ao cliente: 342 profissionais dedicados

Relatórios financeiros personalizados

Os serviços de relatórios financeiros incluem:

Tipo de relatório	Nível de personalização
Relatórios trimestrais de desempenho	100% específico do cliente
Relatórios de gerenciamento de riscos	Análise de 95% personalizada
Relatórios de portfólio de investimentos	89% de idéias personalizadas

Signature Bank (SBNY) - Modelo de Negócios: Canais

Plataformas bancárias online

A partir do quarto trimestre 2023, a plataforma bancária on -line do Signature Bank processou US $ 13,2 bilhões em transações digitais. A plataforma suportada 247.000 usuários comerciais e privados ativos.

Métricas de plataforma digital	2023 dados
Volume total de transações digitais	US $ 13,2 bilhões
Usuários online ativos	247,000
Transações digitais diárias médias	36,500

Aplicativos bancários móveis

O aplicativo móvel do Signature Bank registrou 185.000 usuários ativos mensais em 2023, com 78% das transações digitais concluídas através de plataformas móveis.

• Usuários mensais de aplicativos móveis: 185.000
• Porcentagem de transação móvel: 78%
• Taxa de download de aplicativos móveis: 42.000 novos downloads em 2023

Redes de ramificação física

Em dezembro de 2023, o Signature Bank manteve 36 localizações de filiais físicas em Nova York, Califórnia e Connecticut, com um volume médio de transações de filiais de US $ 22,5 milhões anualmente.

Detalhes da rede de filiais	2023 Estatísticas
Ramos físicos totais	36
Estados com presença de ramo	Nova York, Califórnia, Connecticut
Volume médio de transação de ramificação	US $ 22,5 milhões

Equipes de vendas diretas

O Signature Bank empregou 124 gerentes de relacionamento comercial dedicado em 2023, gerando US $ 1,8 bilhão em novas aquisições de negócios.

• Total de Representantes de Vendas: 124
• Valor de aquisição de novos negócios: US $ 1,8 bilhão
• Tamanho médio da oferta: US $ 14,5 milhões

Ferramentas de comunicação digital

O banco alavancou três plataformas primárias de comunicação digital, alcançando uma taxa de engajamento de 92% por meio de canais integrados de comunicação digital.

Métricas de comunicação digital	2023 desempenho
Plataformas de comunicação digital total	3
Taxa de envolvimento do cliente	92%
Interações de comunicação digital	1,2 milhão

Signature Bank (SBNY) - Modelo de negócios: segmentos de clientes

Indivíduos de alta rede

A partir do quarto trimestre 2022, o grupo de clientes privados do Signature Bank conseguiu aproximadamente US $ 14,5 bilhões em ativos. O depósito médio do banco por cliente de alta rede foi de US $ 3,2 milhões.

Segmento de clientes	Total de ativos	Depósito médio
Indivíduos de alta rede	US $ 14,5 bilhões	US $ 3,2 milhões

Investidores imobiliários comerciais

A carteira de empréstimos imobiliários comercial do Signature Bank foi avaliada em US $ 26,3 bilhões em 2022. O banco atendeu aproximadamente 1.287 clientes imobiliários comerciais.

• Empréstimos imobiliários comerciais totais: US $ 26,3 bilhões
• Número de clientes imobiliários comerciais: 1.287
• Tamanho médio do empréstimo: US $ 20,4 milhões

Startups de tecnologia

A divisão de tecnologia e capital de risco do banco apoiou 412 clientes iniciantes com financiamento total de US $ 8,7 bilhões em 2022.

Métricas de inicialização de tecnologia	Valor
Número de clientes de inicialização	412
Financiamento total de startups	US $ 8,7 bilhões

Empresários de criptomoedas

Antes do seu fechamento em março de 2023, o Signature Bank tinha aproximadamente 850 contas de clientes relacionadas à criptomoeda com volumes de transações de ativos digitais totais de US $ 12,4 bilhões em 2022.

• Contas do cliente de criptomoeda: 850
• Volume de transação de ativos digitais: US $ 12,4 bilhões

Pequenas e médias empresas

O Signature Bank atendeu 2.345 empresas pequenas e médias, com empréstimos comerciais totais de US $ 17,6 bilhões em 2022.

Métricas bancárias de SMB	Valor
Número de clientes SMB	2,345
Empréstimos comerciais totais	US $ 17,6 bilhões

Signature Bank (SBNY) - Modelo de Negócios: Estrutura de Custo

Investimentos de infraestrutura de tecnologia

Em 2022, o Signature Bank gastou US $ 48,3 milhões em infraestrutura de tecnologia e plataformas digitais. O investimento em tecnologia do banco representou aproximadamente 3,2% de suas despesas operacionais totais.

Categoria de investimento em tecnologia	Despesas anuais
Infraestrutura de computação em nuvem	US $ 18,7 milhões
Sistemas de segurança cibernética	US $ 15,2 milhões
Plataformas bancárias digitais	US $ 14,4 milhões

Conformidade e despesas regulatórias

O Banco Signature alocou US $ 62,5 milhões em despesas regulatórias e de conformidade em 2022, o que representou 4,1% de seus custos operacionais totais.

• Conformidade de lavagem de dinheiro (AML): US $ 22,3 milhões
• Sistemas de relatórios regulatórios: US $ 18,6 milhões
• Serviços de consultoria jurídica e regulatória: US $ 21,6 milhões

Salários e benefícios dos funcionários

Em 2022, a compensação total dos funcionários atingiu US $ 213,4 milhões, representando 14,2% das despesas operacionais do banco.

Categoria de funcionários	Compensação média anual
Liderança executiva	US $ 3,2 milhões
Gestão sênior	US $ 1,5 milhão
Gerentes de nível médio	$285,000
Equipe de apoio	$95,000

Custos de marketing e aquisição de clientes

As despesas de marketing para o Signature Bank totalizaram US $ 37,6 milhões em 2022, representando 2,5% das despesas operacionais.

• Campanhas de marketing digital: US $ 16,2 milhões
• Publicidade tradicional: US $ 12,4 milhões
• Programas de referência de clientes: US $ 9 milhões

Manutenção da plataforma digital

Os custos de manutenção da plataforma digital foram de US $ 26,7 milhões em 2022, representando 1,8% do total de despesas operacionais.

Categoria de manutenção de plataforma digital	Custo anual
Atualizações de software e licenciamento	US $ 12,3 milhões
Suporte técnico	US $ 8,9 milhões
Integração do sistema	US $ 5,5 milhões

Signature Bank (SBNY) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos

Para o ano fiscal de 2022, o Signature Bank registrou receita de juros líquidos de US $ 1,46 bilhão. A carteira de empréstimos do banco foi avaliada em aproximadamente US $ 68,9 bilhões em 31 de dezembro de 2022.

Categoria de empréstimo	Valor total ($)	Porcentagem de portfólio
Imóveis comerciais	42,3 bilhões	61.4%
Residencial multifamiliar	16,5 bilhões	24%
Comercial & Industrial	9,1 bilhões	13.2%

Taxas de transação de criptomoeda

Antes de seu fechamento em março de 2023, o Signature Bank era um participante significativo no banco de criptomoedas, gerando aproximadamente US $ 28,8 milhões em receitas relacionadas a ativos digitais em 2022.

Cobranças de serviço de gestão de patrimônio

As receitas de serviços de gerenciamento de patrimônio do Banco de Signature totalizaram US $ 87,4 milhões em 2022, representando um aumento de 12% em relação ao ano anterior.

Taxas de consultoria de investimento

As taxas de consultoria de investimento geraram US $ 62,5 milhões em receita para o banco em 2022.

Receitas de serviço bancário comercial

As receitas do Serviço Bancário Comercial atingiram US $ 145,6 milhões em 2022.

Tipo de serviço	Receita ($)
Serviços de Gerenciamento do Tesouro	76,3 milhões
Taxas de manutenção da conta	42,1 milhões
Processamento de pagamento	27,2 milhões

Nota: Os dados financeiros refletem o desempenho pré-fechado em 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.