Erebor Bank, N.A.
BankRegReports is independent of Erebor Bank, N.A. and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Erebor Bank, N.A. is an FDIC-insured commercial bank headquartered in Columbus, OH, established in 2026 (FDIC certificate 59378), and it is supervised by the OCC. At Q2 2026 it reported total assets of $4.66B, the 11th largest of 154 banks headquartered in Ohio. It reports no CET1 ratio; its Tier 1 leverage ratio was 38.81% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 59378
- Headquarters
- Columbus, OH
- Established
- 2026
- Total assets, Q2 2026
- $4.66B
- Tier 1 leverage ratio, Q2 2026
- 38.81%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 044016018
- Latest call report
- Q2 2026, FFIEC 051 · Erebor Bank, N.A. call report
- Asset rank in state
- 11th of 154 in Ohio
Erebor Bank, N.A. spends more to run itself than most banks of its size. Its balance sheet stood at $4.7 billion at June 30, 2026; it is based in Columbus, Ohio. It loses about $2.70 a year on every $100 of assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median $1.29). It also keeps 1.94 cents of net interest income on every dollar of earning assets, about half the median of 3.71 cents for banks its size.
It lost $10 million in the quarter.
As of June 30, 2026, Erebor Bank, N.A. reported a return on assets of -2.70%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Erebor Bank, N.A. ranks as the 11th largest of the 154 banks based in Ohio, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 173.9% to $4.66B, deposits rose 269.6%. Its loan book on June 30, 2026 was led by all other loans, at 61.0% of total loans, followed by commercial and industrial loans at 21.6%. The FDIC Summary of Deposits lists a single office for it, in Columbus, OH. On its Q2 2026 call report, Erebor Bank, N.A. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 500 Neil Ave, Columbus, OH 43215
- County
- Franklin
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 6, 2026
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 90
- Domestic deposits
- $4.06B
- Allowance for credit losses
- $652K
- Net charge-offs (YTD)
- $0
- Average total assets
- $1.53B
- Average total loans
- $31.3M
- Average interest-bearing deposits
- $1.20B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- February 6, 2026
- FDIC Cert
- 59378
- Fed RSSD
- 6053129
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Erebor Bank, N.A. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Inside the full Erebor Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeErebor Bank, N.A. rankings
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Erebor Bank, N.A. | Columbus , OH | 43215 | $4.06B |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.7% of deposits in OH, rank 15 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Erebor Bank, N.A.’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Erebor Bank, N.A.
What are Erebor Bank, N.A.'s total assets?
As of the Q2 2026 filing, Erebor Bank, N.A. reported total assets of $4.66 billion in its FFIEC call report.
Where is Erebor Bank, N.A. headquartered?
It is headquartered in Columbus, OH, United States.
When was Erebor Bank, N.A. founded?
It was established in 2026, per the FDIC institution directory.
Is Erebor Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #59378). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Erebor Bank, N.A.?
Erebor Bank, N.A.'s primary federal regulator is the OCC.
How many branches does Erebor Bank, N.A. operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Erebor Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Erebor Bank, N.A.
Get an email when Erebor Bank, N.A. files its next call report, and benchmark it against any peer you choose.
Unlock Erebor Bank, N.A., freeFree account