Total Assets
—
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Erebor Bank, N.A. — FDIC Bank Health Profile
Columbus, Ohio · Est. 2026. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
Nationally chartered (OCC) National Bank FDIC Cert #59378 Chicago Region
F
Health grade
At Risk
Score: 0/100
Basel III capital ratios — Erebor Bank, N.A.
Total Deposits
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Customer-funded liabilities
Net Loans
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Outstanding loan book
Net Income
—
Bottom-line earnings
Safety Metrics
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
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Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
—
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
—
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
—
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
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FDIC Deposit Insurance
Erebor Bank, N.A. is FDIC-insured (Certificate #59378). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About Erebor Bank, N.A.
Erebor Bank, N.A. is an FDIC-insured institution (Certificate #59378) headquartered in Columbus, Ohio, established in 2026. The bank currently holds — in total assets and — in customer deposits, with — deployed as loans. It operates as a Nationally chartered (OCC) (National Bank) within the FDIC Chicago region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Erebor Bank, N.A. reports a Tier 1 Capital Ratio of — and a Texas Ratio of —. Equity capital stands at —, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of — and a Return on Equity of —, with an Efficiency Ratio of —. The combined picture yields a PlainBankData health grade of F (0/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Erebor Bank, N.A. is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Ohio by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Erebor Bank, N.A. (FDIC Cert #59378) — Tier 1 capital ratio, total assets, deposits, CRA rating · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other Banks in Ohio
All Ohio banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| JPMorgan Chase Bank, National Association Columbus | $3.8T | B | 1.34% |
| U.S. Bank National Association Cincinnati | $676.1B | B | 1.18% |
| The Huntington National Bank Columbus | $224.0B | C | 1.20% |
| Fifth Third Bank, National Association Cincinnati | $213.7B | B | 1.34% |
| KeyBank National Association Cleveland | $181.7B | B | 1.17% |
| First Financial Bank Cincinnati | $21.0B | B | 1.53% |
| Third Federal Savings and Loan Association of Cleveland Cleveland | $17.5B | C | 0.51% |
| The Park National Bank Newark | $9.7B | B | 1.90% |
Frequently Asked Questions
What is Erebor Bank, N.A.'s health grade? ▼
Erebor Bank, N.A. receives a health grade of F (0/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank has significant financial challenges. All deposits remain FDIC-insured up to $250,000.
Is my money safe at Erebor Bank, N.A.? ▼
Yes. Erebor Bank, N.A. is FDIC-insured (Certificate #59378). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.