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Letter portraitLegal landscapeQuarterYTD

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 ’263.23%Q2 ’26-47%

Non-interest income vs. expense

9.96%Q1 ’264.98%Q2 ’26-52%

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

Executive Summary

  • Earnings: ROA of -1.30%; NIM at 1.69%.
  • 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 (quarter, annualized)

-1.30%

Net Interest Margin (quarter, annualized)

1.69%

Efficiency Ratio (quarter, annualized)

202%

Tier 1 Leverage Ratio

38.81%

Discrete quarter, annualized.

MetricQ1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.41%-1.30%n/a
Return on Equity-4.00%-6.89%n/a
Net Interest Margin3.21%1.69%n/a
Efficiency Ratio232%202%n/a
Non-Interest Burden8.83%4.20%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