Erebor Bank, N.A.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Cash and balances due from depository institutions climbed 195.6% in Q2 2026, from $1.41B to $4.17B. It was the largest change from Q1 2026 among the key lines here. Erebor Bank, N.A. has the 3rd lowest loan-to-deposit ratio of the 156 banks headquartered in Ohio, at 1.92% as of Q2 2026. Erebor Bank, N.A.'s loan-to-deposit ratio of 1.92% is well below the 88.20% median for banks in the $1B-10B asset tier, a gap of 86.28 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.17B |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $4.55B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 1.92% |
| Net loans and leases to deposits | 1.90% |
| Loans and leases to core deposits | 1.92% |
| Core deposits to total deposits | 49.52% |
| Brokered deposits to total deposits | 50.48% |
Liquidity and Borrowings trend
Last 2 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q1 2026 | 0.00% | 45.11% | $0 | $0 |
| Q2 2026 | 1.92% | 49.52% | $0 | $0 |
Erebor Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Erebor Bank, N.A., freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Erebor Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59378) · FFIEC NIC profile (RSSD 6053129)