Erebor Bank, National Association
Columbus, OH · Cert 59378 · Peer group: banks $1B-$10B in assets (n=313-319)
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 313).
- Widest gap: net interest margin trails 100% of banks $1B-$10B in assets (rank 318 of 319).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
-0.70%
Rank 316 of 319
Net Interest Margin
1.29%
Rank 318 of 319
Efficiency Ratio
212%
Rank 318 of 319
Equity / Assets
12.81%
Rank 54 of 319
Non-interest income vs. expense
Unfavorable gap of $50.8M · efficiency ratio beats 1% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.70% | 0.91% | 1.21% | 1.53% | Beats 1% | 316 / 319 | |
| Return on Equity | -5.46% | 8.49% | 11.44% | 14.57% | Beats 1% | 316 / 319 | |
| Net Interest Margin | 1.29% | 3.06% | 3.43% | 3.81% | Beats 0% | 318 / 319 | |
| Efficiency Ratio | 212% | 51.90% | 59.57% | 67.64% | Beats 1% | 318 / 319 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.25% | 0.54% | 1.18% | Beats 100% | 8 / 313 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.04% | 0.12% | Beats 100% | 16 / 313 | |
| Capital |
| Tier 1 Capital Ratio | 38.81% | 11.74% | 12.99% | 15.28% | Beats 97% | 11 / 319 | |
| Total Risk-Based Capital Ratio | 38.81% | 12.61% | 14.01% | 16.23% | Beats 97% | 11 / 319 | |
| Equity / Assets | 12.81% | 9.03% | 10.33% | 12.01% | Beats 83% | 54 / 319 | |
| Liquidity & Funding |
| Loans / Deposits | 1.92% | 76.76% | 88.16% | 95.43% | 0th pctl | 313 / 314 | |
| Loans / Assets | 1.67% | 65.79% | 74.05% | 79.84% | 2nd pctl | 313 / 319 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |