| Metric | Erebor Bank, N.A. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | — | +5.5% | — |
| Deposit growth (YoY) | — | +5.1% | — |
| Loan growth (YoY) | — | +5.9% | — |
| ROA | -1.03% | 1.26% | -2.3 pts |
| ROE | -5.5% | 12.2% | -17.6 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.66B | $4.06B | $77.2M | $597.4M | $-16.3M | -1.03% | 0.71% | 0.00% |
| Q1 2026 | $1.70B | $1.10B | $0 | $600.6M | $-6.0M | -1.41% | 0.84% | 0.00% |
Loan mix (Q2 2026): real estate $0 · commercial $16.8M · consumer $0 · securities $376.1M
| Ratio | Erebor Bank, N.A. | Trend (2q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.03% | 1.26% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -5.5% | 12.2% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 0.71% | 3.70% | 1th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 212.0% |
Peer lists, growth filters, CSV export, CRM push.
| 59.0% |
100th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Erebor Bank, N.A. | Trend (2q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Erebor Bank, N.A. | Trend (2q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Erebor Bank, N.A. | Trend (2q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Erebor Bank, N.A. | Trend (2q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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