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Erebor Bank, National Association

Columbus, OH · Cert 59378

National charter · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

91

Q1 2026Q2 2026peer median (50)

Asset Quality

100

Q2 2026Q2 2026peer median (50)

Profitability

1

Q1 2026Q2 2026peer median (50)

Liquidity

0

Q1 2026Q2 2026peer median

Efficiency

1

Q1 2026Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Erebor Bank, National Association

Columbus, OH · Cert 59378

National charter · OCC · 1 branch

Q2 2026

$4.7BAssets
$77.8MLoans
$4.1BDeposits
$597.4MEquity
Deposit mix
94%Interest-bearing $3.8B6%Noninterest $0.2BQ1 2026Q2 2026

NIM

3.31%Q1 ’262.07%Q2 ’26-60%

Non-interest income vs. expense

9.96%Q1 ’263.88%Q2 ’26-62%

Market Position · Columbus, OH · 2026 SOD (annual) · 3.3% share · #6 of 53 inst. · $4.1B of $124.6B

Executive Summary

  • Earnings: ROA of -0.70%; NIM at 1.29%.
  • Asset quality: problem loans at 0.00% of loans, with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 38.81%.
  • Funding: loans stand at 1.92% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.70%

Net Interest Margin (YTD, annualized)

1.29%

Efficiency Ratio (YTD, annualized)

212%

Tier 1 Leverage Ratio

38.81%

Year to date, annualized, through each quarter.

MetricQ1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.41%-0.70%n/a
Return on Equity-4.00%-5.46%n/a
Net Interest Margin3.21%1.29%n/a
Efficiency Ratio232%212%n/a
Non-Interest Burden8.83%3.33%n/a
Growth
Asset Growth (YoY)n/an/an/an/a
Loan Growth (YoY)n/an/an/an/a
Deposit Growth (YoY)n/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/a0.00%n/an/a
Net Charge-Offs / Loansn/a0.00%n/an/a
Allowance / Loansn/a0.84%n/an/a
Allowance Coverage of NPLsn/an/an/an/a
Capital
Tier 1 Leverage Ratio142.22%38.81%n/a
Total Risk-Based Capital142.22%38.81%n/a
Equity / Assets35.26%12.81%n/a
Liquidity & Funding
Loans / Deposits0.00%1.92%n/a
Liquid Assets / Assets78.10%74.19%n/a
CRE / Total Capital0.00%n/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Erebor Bank, National Association

Columbus, OH · Cert 59378 · Peer group: banks $1B-$10B in assets (n=322-328)

National charter · OCC · 1 branch

Q2 2026

$4.7BAssets
$77.8MLoans
$4.1BDeposits
$597.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks $1B-$10B in assets (rank 8 of 322).
  • Widest gap: net interest margin trails 100% of banks $1B-$10B in assets (rank 327 of 328).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

-0.70%

Rank 325 of 328

Net Interest Margin

1.29%

Rank 327 of 328

Efficiency Ratio

212%

Rank 327 of 328

Equity / Assets

12.81%

Rank 59 of 328

Non-interest income vs. expense

$8.4M$59.2MINCOMEEXPENSE
Unfavorable gap of $50.8M · efficiency ratio beats 1% of banks $1B-$10B in assets
Bank 212%Peer median 59.6%Q1 2026Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.70%0.91%1.22%1.52%Beats 1%325 / 328
Return on Equity-5.46%8.43%11.45%14.43%Beats 1%325 / 328
Net Interest Margin1.29%3.03%3.45%3.83%Beats 0%327 / 328
Efficiency Ratio212%51.61%59.56%67.53%Beats 1%327 / 328
Asset Quality
Nonperforming Loans / Loans0.00%0.24%0.51%1.03%Beats 100%8 / 322
Net Charge-Offs / Loans0.00%0.01%0.03%0.10%Beats 100%18 / 322
Capital
Tier 1 Capital Ratio38.81%11.75%13.15%15.47%Beats 96%12 / 328
Total Risk-Based Capital Ratio38.81%12.63%14.15%16.46%Beats 96%12 / 328
Equity / Assets12.81%9.15%10.33%12.01%Beats 82%59 / 328
Liquidity & Funding
Loans / Deposits1.92%76.63%87.92%95.36%0th pctl322 / 323
Loans / Assets1.67%65.18%74.15%79.98%2nd pctl322 / 328
Brokered Deposits / Depositsn/aNot reported for this institution