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
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% | 1.22% | 1.52% | Beats 1% | 325 / 328 | |
| Return on Equity | -5.46% | 8.43% | 11.45% | 14.43% | Beats 1% | 325 / 328 | |
| Net Interest Margin | 1.29% | 3.03% | 3.45% | 3.83% | Beats 0% | 327 / 328 | |
| Efficiency Ratio | 212% | 51.61% | 59.56% | 67.53% | Beats 1% | 327 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.24% | 0.51% | 1.03% | Beats 100% | 8 / 322 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 100% | 18 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 38.81% | 11.75% | 13.15% | 15.47% | Beats 96% | 12 / 328 | |
| Total Risk-Based Capital Ratio | 38.81% | 12.63% | 14.15% | 16.46% | Beats 96% | 12 / 328 | |
| Equity / Assets | 12.81% | 9.15% | 10.33% | 12.01% | Beats 82% | 59 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 1.92% | 76.63% | 87.92% | 95.36% | 0th pctl | 322 / 323 | |
| Loans / Assets | 1.67% | 65.18% | 74.15% | 79.98% | 2nd pctl | 322 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |