# Erebor Calendar A forward-looking calendar of known and predicted [[Erebor]] beats: the look-ahead companion to the look-back [[Erebor Watch Log]]. > **A bank keeps a different rhythm from [[Anduril]] or [[Palantir]].** There are no earnings calls or contract cycles. The cadence is the **quarterly call report**, the **funding round** needed to keep capital in line with deposits, and **regulatory** actions. Lifecycle: **[[Erebor Calendar]] (predicted) → it happens → [[Erebor Watch Log]] → if discrete and significant → `/Events/` or `/Deals/` page → indexed in [[Erebor Events]].** ## Recurring / structural beats | Beat | Cadence | Why it matters | |---|---|---| | Call report | Quarterly; due 30 days after quarter end (Jan 30, Apr 30, Jul 30, Oct 30) | The only regular filed view of deposits, loans and equity. See [[Erebor Call Reports]] | | Funding round | Whenever deposit growth outruns equity | Under the 12% leverage condition, raising capital is a regulatory necessity | | Senate Banking oversight | Ad hoc | [[Elizabeth Warren]] letters; a change in committee chair would add subpoena power | ## Hard-dated beats | Date | Beat | Why it matters | |---|---|---| | **Oct 30, 2026** | Q3 2026 call report due (as of Sept 30) | First full quarter after the [[Valar Atomics]] facility. Shows whether lending has scaled and whether equity rose (meaning the round closed) | | **Nov 3, 2026** | U.S. midterms | Senate control decides who chairs Senate Banking from January 2027. A Democratic majority would likely make [[Elizabeth Warren]] chair, with subpoena power over the charter questions she has raised by letter | | **Dec 31, 2026** | Profitability target | Axios (Aug 10) reported the bank expects to be profitable by year-end; Q2 showed a $10.3M loss | | **Jan 30, 2027** | Q4 2026 call report due | Year-end balance sheet; tests the profitability claim | | **Feb 8, 2027** | One year since opening | | | **~Feb 2029** | End of the reported three-year 12% leverage condition | Approximate, counting three years from the February 2026 charter. Exact terms unpublished | ## Pending, date unknown - **The ~$1.5B round's close.** The Information reported it "closing" in mid-September. Watch for the lead, final valuation and board seats. - **The Venezuela correspondent-banking talks.** "Preliminary" as of May 2026; no follow-up found. - **A response to Warren's April 23 letter.** The deadline was May 6, 2026; no public response found. - **A bank holding company.** If Erebor forms one, it comes under Federal Reserve supervision as well as the [[OCC]]'s. ## See Also - [[Erebor Dossier]] · [[Erebor Watch Log]] · [[Erebor Events]]