Erebor Bank, N.A.: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The standout move of Q2 2026 was in Net interest margin: 1.38 percentage points lower than in Q1 2026, at 1.94%. On net interest margin, Erebor Bank, N.A. is 6th from the bottom among 156 Ohio banks, 1.94% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Erebor Bank, N.A. sits 1.77 points lower, at 1.94% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.74% |
| Yield on loans | 8.98% |
| Yield on securities | 3.68% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.72% |
| Cost of interest-bearing deposits | 0.99% |
| Cost of interest-bearing liabilities | 0.99% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 1.94% |
| Yield to cost spread | 2.75% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $702K |
| Total interest expense | $5.9M |
| Interest expense on deposits | $5.9M |
Yields and Funding Costs trend
Last 2 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Securities |
|---|---|---|---|---|
| Q1 2026 | 3.47% | 0.68% | 3.32% | 3.40% |
| Q2 2026 | 3.74% | 1.72% | 1.94% | 3.68% |
Erebor Bank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Erebor Bank, N.A., freeSource: Call Report Schedules RI and RC-K, 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)