BlastPoint's Banking Scorecard

Erebor Bank, N.A.

$1B-$10B Specialty: Other OH FDIC cert 59378

Columbus, OH

Non-lending institution — comparison caveats apply

Erebor Bank, N.A. is a trust company, wealth-management entity, or similar non-lending FDIC institution. Loan-based ratios (Loan-to-Deposit, Delinquency Rate, Non-Performing Asset Ratio, Non-Interest-Bearing Deposit Share) and capital ratios are mathematically valid but not directly comparable to traditional banks. This bank is excluded from the Signature Analysis leaderboards for the same reason.

884 banks in the $1B-$10B peer group nationally 28 in OH

View $1B-$10B leaderboard (OH) →

Erebor Bank, N.A. has 1 strength but faces 3 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

+ Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

- Return on Assets 2.78% below tier average
- Net Interest Margin 2.98% below tier average
- Efficiency Ratio 170.89% above tier average

Get updates when Erebor Bank, N.A. releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$1.7B	-$1.1B	$2.8B -0.1% YoY	$35.8B +10.6% YoY	$6.2B +9.1% YoY	42%
Total Loans ?	$0	-$2.0B	$2.0B +0.6% YoY	$15.7B +12.8% YoY	$3.2B +10.8% YoY	Bottom 0.5% in tier
Total Deposits ?	$1.1B	-$1.2B	$2.3B -0.3% YoY	$25.9B +8.5% YoY	$4.8B +8.2% YoY	23%
Return on Assets ?	-1.41%	-2.78%	1.37% +19.6% YoY	1.12% +9.9% YoY	1.23% +13.4% YoY	Bottom 0.7% in tier
Net Interest Margin ?	0.84%	-2.98%	3.82% +6.9% YoY	3.58% +7.5% YoY	3.89% +5.7% YoY	Bottom 0.6% in tier
Efficiency Ratio ?	231.95%	+170.89%	61.06% -4.6% YoY	72.65% -4.0% YoY	66.95% -4.1% YoY	Bottom 0.2% in tier
Delinquency Rate ?	-	-	0.89% +14.1% YoY	0.65% +14.5% YoY	0.95% +18.8% YoY	-
Loan-to-Deposit Ratio ?	0.00%	-84.20%	84.20% +0.3% YoY	79.14% +0.8% YoY	76.70% +0.9% YoY	Top 0.1% in tier
Non-Interest-Bearing Deposit Share ?	11.62%	-9.67%	21.29% -2.5% YoY	18.08% -0.4% YoY	22.01% -1.2% YoY	16%
Nonperforming Asset Ratio ?	0.00%	-0.67%	0.67% +15.6% YoY	0.44% +14.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	142.22%	+127.06%	15.16% +2.0% YoY	19.44% +3.1% YoY	17.06% +0.8% YoY	Top 0.2% in tier
Non-Interest Income / Assets ?	0.07%	-0.19%	0.26% +1.6% YoY	0.57% -2.4% YoY	0.32% +4.1% YoY	18%

Get Full Access to Erebor Bank, N.A.

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (0)

No matched strength signatures this quarter

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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (3 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 0.00%

Peer Median: 84.20%

#1 of 884 Top 0.1% in $1B-$10B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 884 Top 0.1% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 142.22%

Peer Median: 15.16%

#3 of 884 Top 0.2% in $1B-$10B

Top Weaknesses (7 metrics)

883

Efficiency Ratio

profitability

Value: 231.95%

Peer Median: 61.06%

#883 of 884 Bottom 0.2% in $1B-$10B

881

Total Loans

size

Value: $0.00

Peer Median: $1.96B

#881 of 884 Bottom 0.5% in $1B-$10B

880

Net Interest Margin

profitability

Value: 0.84%

Peer Median: 3.82%

#880 of 884 Bottom 0.6% in $1B-$10B

879

Return on Assets

profitability

Value: -1.41%

Peer Median: 1.37%

#879 of 884 Bottom 0.7% in $1B-$10B

745

Non-Interest-Bearing Deposit Share

funding

Value: 11.62%

Peer Median: 21.29%

#745 of 884 Bottom 15.8% in $1B-$10B

725

Non-Interest Income / Assets

revenue_mix

Value: 0.07%

Peer Median: 0.26%

#725 of 884 Bottom 18.1% in $1B-$10B

681

Total Deposits

size

Value: $1.10B

Peer Median: $2.34B

#681 of 884 Bottom 23.1% in $1B-$10B