Side-by-side · Q2 2026 data
Ohio State Bank vs Erebor Bank, N.A.
Metric by metric
| Measure | Ohio State Bank | Erebor Bank, N.A. |
|---|---|---|
| TellerScore | 66 | 78 (stronger) |
| Capital cushion | 67 | 100 (stronger) |
| Loan quality | 66 | 100 (stronger) |
| Earnings | 61 (stronger) | 0 |
| Funding & liquidity | 55 | 86 (stronger) |
| Problem-loan coverage | 85 | 100 (stronger) |
| Peer percentile | 31st | 86th |
| Total assets | $484.0M | $4.7B |
| Deposits / shares | $405.4M | $4.1B |
| Capital ratio | 11.69% | 38.81% (stronger) |
| Problem loans | 1.03% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.02% (stronger) | -1.03% |
| Loans ÷ deposits | 104.9% | 1.9% (stronger) |
| Uninsured deposits | 13.9% (stronger) | 27.6% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.1% | — |
Erebor Bank, N.A. has the higher TellerScore (78 vs 66). On the 6 directional measures above (where higher or lower is clearly better), Ohio State Bank leads on 2 and Erebor Bank, N.A. on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.