−1.41%
New institution — no prior-year comparison
FDIC
NETINC + ROAEB
Erebor Bank, N.A.
Columbus, OhioFDIC Cert #59378
OCCEstablished 20261 branch
Holding company: Not reportedRegulator: OCC
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's official FFIEC UBPR peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
−4.00%
New institution — no prior-year comparison
FDIC
NETINC + ROE−1.41%
New institution — no prior-year comparison
FDIC
PTAXNETINC + ASSET0.84%
New institution — no prior-year comparison
FDIC
NIM + NIMY0.87%
New institution — no prior-year comparison
FDIC
INTINCY0.06%
New institution — no prior-year comparison
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
231.95%
New institution — no prior-year comparison
FDIC
NONIX + NIM + NONII + EEFFR2.48%
New institution — no prior-year comparison
FDIC
NONIX + ASSET26.17%
New institution — no prior-year comparison
FDIC
NONII + NIMNew institution — no prior-year comparison
FDIC
ASSETNew institution — no prior-year comparison
FDIC
DEPNew institution — no prior-year comparison
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA−1.41%2nd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.30%Median 1.04%90th 1.67%Observations 122
ROE
FDIC
NETINC + ROE−4.00%2nd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 2.25%Median 10.27%90th 16.66%Observations 122
NIM
FDIC
NIM + NIMY0.84%1st percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.87%Median 3.71%90th 4.80%Observations 122
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR231.95%1st percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 51.12%Median 66.75%90th 90.48%Observations 122
Deposits YoY
FDIC
DEPToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.12%Median +3.80%90th +14.71%Observations 121
Loans YoY
FDIC
LNLSNETToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.34%Median +6.06%90th +17.98%Observations 120
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGRToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.39%90th 1.73%Observations 120
Leverage
FDIC
RBC1AAJ142.22%99th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.63%Median 10.44%90th 16.51%Observations 122
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM0.06%100th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.30%Median 2.17%90th 3.09%Observations 122
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 35%Median 116%90th 241%Observations 72
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.