Erebor Bank, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Tier 1 leverage ratio: 103.41 percentage points lower than in Q1 2026, at 38.81%. On return on assets, Erebor Bank, N.A. is 2nd from the bottom among 156 Ohio banks, -2.70% (Q2 2026). Against a median of 1.28% for banks in the $1B-10B asset tier, Erebor Bank, N.A. reported -2.70% on return on assets in Q2 2026, 3.98 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 38.81% |
| Equity capital to assets | 12.81% |
| Tangible equity to tangible assets | 12.57% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.84% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -2.70% |
| Return on equity | -6.89% |
| Net interest margin | 1.94% |
| Efficiency ratio | 202.27% |
| Yield on earning assets | 3.74% |
| Cost of funds | 1.72% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 1.92% |
| Core deposits to total deposits | 49.52% |
| Brokered deposits to total deposits | 50.48% |
| Deposits to assets | 86.97% |
| Securities to assets | 8.06% |
Vital Signs trend
Last 2 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin |
|---|---|---|---|
| Q1 2026 | 142.22% | -5.66% | 3.32% |
| Q2 2026 | 38.81% | -2.70% | 1.94% |
Erebor Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Erebor Bank, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)