Erebor Bank, N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Headquartered in Columbus, Erebor Bank, N.A. serves the Ohio market as a community-focused commercial bank. On its most recent Q2 2026 call report, Erebor Bank reported $4.7B in total assets against $4.1B in deposits. Earnings turned negative this period, with ROA at -2.70%. Under the simplified Community Bank Leverage Ratio framework, leverage of 38.81% exceeds the CBLR threshold. Asset quality is pristine, 0.00% NPLs and a 0.00% Texas Ratio. The bank operates from a single office.
As of June 30, 2026, Erebor Bank, N.A. reported a Tier 1 leverage ratio of 38.81%, a return on assets of -2.70%, a nonperforming-loan ratio of 0.00%, a Texas ratio of 0.00%, per financial data filed with the FFIEC.
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
- Offices
- 1 domestic
- Employees (FTE)
- 90
- Domestic deposits
- $4.06B
- Allowance for credit losses
- $652K
- Net charge-offs (YTD)
- $0
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- February 6, 2026
- FDIC Cert
- 59378
- Fed RSSD
- 6053129
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 2 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 38.81% | -2.70% | 0.00% | 0.00% | 1.94% |
| Q1 2026 | 142.22% | -5.66% | — | 0.00% | 3.32% |
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Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 1 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Erebor Bank, N.A. | Columbus , OH | 43215 | $4.06B |
Regulatory record
What the public regulatory sources show for Erebor Bank, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.7% of deposits in OH, rank 15 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Erebor Bank, N.A. headquartered?
Erebor Bank, N.A. is headquartered in Columbus, OH, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Erebor Bank, N.A. founded?
Erebor Bank, N.A. was established in 2026, per the FDIC institution directory.
Is Erebor Bank, N.A. FDIC-insured?
Yes. Erebor Bank, N.A. 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Erebor Bank, N.A. operate?
Erebor Bank, N.A. 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?
Erebor Bank, N.A.'s Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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