Erebor Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Erebor Bank, N.A. of Columbus, OH against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -2.70% | 1.44% | -4.14% | 1st bottom |
| ROAE | -6.89% | 12.52% | -19.41% | 1st bottom |
| Net Interest Margin | 1.94% | 3.84% | -1.90% | 1st bottom |
| Efficiency Ratio | 202.27% | 58.72% | +143.55% | 0th bottom |
| PPNR / Avg Assets | -2.52% | 1.78% | -4.30% | 0th bottom |
| Yield on Earning Assets | 3.74% | 5.72% | -1.98% | 2nd bottom |
| Cost of Funds | 1.72% | 2.03% | -0.31% | 68th above |
| Net Interest Spread | 2.75% | 3.18% | -0.43% | 31st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.97% | -0.97% | 98th top |
| NPA / Total Assets | 0.00% | 0.75% | -0.75% | 98th top |
| NCO / Avg Loans | 0.00% | 0.31% | -0.31% | 78th top |
| ACL / Total Loans | 0.84% | 1.25% | -0.41% | 15th bottom |
| Texas Ratio | 0.00% | 7.17% | -7.17% | 99th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 38.81% | 11.57% | +27.24% | 99th top |
| Equity / Assets | 12.81% | 11.33% | +1.48% | 83rd top |
| TCE / Tangible Assets | -0.88% | 10.66% | -11.54% | 0th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 1.92% | 86.44% | -84.52% | 99th top |
| Core Deposit Ratio | 49.52% | 85.59% | -36.07% | 2nd bottom |
See Erebor Bank, N.A.'s peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Erebor Bank, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Erebor Bank, N.A. profile, how to read a UBPR, or how this data updates.