BlastPoint's Banking Scorecard
Erebor Bank, N.A.
$1B-$10B
Specialty: Other
OH
FDIC cert 59378
Columbus, OH
885
banks in the $1B-$10B peer group nationally
28 in OH
View $1B-$10B leaderboard (OH) →
Erebor Bank, N.A. has 2 strengths but faces 5 concerns
Key Strengths include matched growth signatures,
metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures,
metrics ranked in the bottom 10%, and values meaningfully below the tier average.
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 1.8% in tier
- + Nonperforming Asset Ratio 0.67% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 2.42% below tier average
- - Net Interest Margin 3.16% below tier average
- - Efficiency Ratio 152.23% above tier average
- - Non-Interest-Bearing Deposit Share 15.74% below tier average
- - Non-Interest Income / Assets 0.44% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.7B
+173.9% QoQ
|
+$1.9B |
$2.8B
-0.6% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
84% |
| Total Loans ? | $77.2M | -$1.9B |
$2.0B
-0.3% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
Bottom 0.8% in tier |
| Total Deposits ? |
$4.1B
+269.6% QoQ
|
+$1.7B |
$2.3B
-0.5% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
Top 14.4% in tier |
| Return on Assets ? |
-1.03%
+27.3% QoQ
|
-2.42% |
1.39%
+17.0% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
Bottom 0.7% in tier |
| Net Interest Margin ? |
0.71%
-15.6% QoQ
|
-3.16% |
3.87%
+6.2% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
Bottom 0.3% in tier |
| Efficiency Ratio ? |
211.95%
-8.6% QoQ
|
+152.23% |
59.73%
-12.6% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
Bottom 0.2% in tier |
| Delinquency Rate ? | 0.00% | -0.87% |
0.87%
+11.7% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? | 1.90% | -83.13% |
85.04%
-0.1% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
Top 0.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
5.53%
-52.4% QoQ
|
-15.74% |
21.27%
-1.5% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
Bottom 4.7% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.67% |
0.67%
+11.7% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
38.81%
-72.7% QoQ
|
+23.97% |
14.84%
-0.4% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
Top 1.2% in tier |
| Non-Interest Income / Assets ? |
0.09%
+28.6% QoQ
|
-0.44% |
0.53%
+2.5% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
Bottom 8.2% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
5.5%
-6.1pp QoQ |
-15.8pp | 21.4% | 18.8% | 22.2% | 4% |
| Brokered Deposits |
50.5%
-4.4pp QoQ |
+41.0pp | 9.5% | 7.7% | 8.5% | 98% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I | 21.7% | +7.7pp | 14.0% | 10.2% | 12.5% | 84% |
| CRE | n/a | n/a | 50.0% | 34.2% | 41.4% | n/a |
| 1-4 Family | n/a | n/a | 26.4% | 50.0% | 31.3% | n/a |
| Consumer | n/a | n/a | 4.7% | 4.7% | 5.0% | n/a |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 22.1% | 19.7% | n/a |
| Leverage Ratio |
38.8%
-103.4pp QoQ |
+27.5pp | 11.3% | 12.9% | 12.6% | 100% |
| Total Capital Ratio | n/a | n/a | 16.7% | 23.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
90
+35 (+63.6%) QoQ |
-224 | 313 | 2,433 | 482 | 5% |
| Assets per Employee ($) |
$51.8M
+67.4% QoQ |
+$41.4M | $10.5M | $7.6M | $8.8M | 99% |
| Branch Count |
1
0 QoQ |
-19 | 20 | 81 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.2% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.8% | 0.6% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 18.71x | 18.95x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.3% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-5.5%
-1.5pp QoQ |
-18.0pp | 12.6% | 9.7% | 11.6% | 1% |
| Cost of Funds (YTD) |
0.4%
+0.4pp QoQ |
-1.5pp | 1.9% | 1.7% | 1.7% | 1% |
| Net Income ($, YTD) |
$-16322000.0
— QoQ |
-$35.6M | $19.2M | $259.3M | $40.4M | 0% |
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$250B+
12 performance metrics with tier, state, and national benchmarks
Signature behaviors (strengths & concerns)
Metric and signature rankings across 4,287 FDIC-insured banks
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths are growth signatures this bank matches
(e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches
(e.g. Margin Compression, Credit Quality Pressure).
Strengths (1)
Credit Quality Leader
growth
#5 of 221 • Top 1.8% in tier
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.00%
(Tier: 0.87%, National: 0.98%)
221 of 221 Mid-Market banks match
·
920 nationally
→ Stable
+1 banks QoQ
Concerns (0)
No matched concern signatures this quarter
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.
Strengths are metrics in the top 25%
(75th percentile or higher).
Concerns are metrics in the bottom 25%
(25th percentile or lower).
Top Strengths (6 metrics)
1
Delinquency Rate
credit_quality
Value:
0.00%
Peer Median: 0.87%
#1 of 882
Top 0.1% in $1B-$10B
1
Nonperforming Asset Ratio
credit_quality
Value:
0.00%
Peer Median: 0.67%
#1 of 885
Top 0.1% in $1B-$10B
6
Loan-to-Deposit Ratio
liquidity
Value:
1.90%
Peer Median: 85.04%
#6 of 885
Top 0.6% in $1B-$10B
12
Tier 1 Capital Ratio
capital
Value:
38.81%
Peer Median: 14.84%
#12 of 885
Top 1.2% in $1B-$10B
128
Total Deposits
size
Value:
$4.06B
Peer Median: $2.32B
#128 of 885
Top 14.4% in $1B-$10B
139
Total Assets
size
Value:
$4.66B
Peer Median: $2.79B
#139 of 885
Top 15.6% in $1B-$10B
Top Weaknesses (6 metrics)
884
Efficiency Ratio
profitability
Value:
211.95%
Peer Median: 59.73%
#884 of 885
Bottom 0.2% in $1B-$10B
883
Net Interest Margin
profitability
Value:
0.71%
Peer Median: 3.87%
#883 of 885
Bottom 0.3% in $1B-$10B
880
Return on Assets
profitability
Value:
-1.03%
Peer Median: 1.39%
#880 of 885
Bottom 0.7% in $1B-$10B
879
Total Loans
size
Value:
$77.18M
Peer Median: $1.96B
#879 of 885
Bottom 0.8% in $1B-$10B
844
Non-Interest-Bearing Deposit Share
funding
Value:
5.53%
Peer Median: 21.27%
#844 of 885
Bottom 4.7% in $1B-$10B
813
Non-Interest Income / Assets
revenue_mix
Value:
0.09%
Peer Median: 0.53%
#813 of 885
Bottom 8.2% in $1B-$10B