Elysian Bank

Elysian, MN · Cert 10185 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53) · Elysian Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$76.0MAssets

$58.5MLoans

$66.4MDeposits

$9.3MEquity

Executive Summary

Strongest standing: net interest margin outperforms 92% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 4 of 53).
Widest gap: net charge-offs / loans trails 66% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 37 of 53).
Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.69%

Rank 8 of 53

Net Interest Margin

4.79%

Rank 4 of 53

Efficiency Ratio

56.53%

Rank 15 of 53

Equity / Assets

12.20%

Rank 6 of 53

Unfavorable gap of $2.0M · efficiency ratio beats 74% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	1.69%	0.73%	1.11%	1.30%	Beats 85%	8 / 53
Return on Equity	13.82%	7.88%	12.20%	14.12%	Beats 62%	20 / 53
Net Interest Margin	4.79%	3.39%	3.77%	4.09%	Beats 92%	4 / 53
Efficiency Ratio	56.53%	56.05%	65.05%	71.57%	Beats 74%	15 / 53
Asset Quality
Nonperforming Loans / Loans	0.74%	0.14%	0.52%	1.20%	Beats 43%	31 / 53
Net Charge-Offs / Loans	0.04%	0.00%	0.01%	0.08%	Beats 34%	37 / 53
Capital
Tier 1 Capital Ratio	14.61%	10.73%	12.98%	15.08%	Beats 68%	17 / 53
Total Risk-Based Capital Ratio	15.84%	11.49%	13.79%	16.34%	Beats 70%	16 / 53
Equity / Assets	12.20%	8.08%	9.25%	10.72%	Beats 89%	6 / 53
Liquidity & Funding
Loans / Deposits	88.11%	72.13%	82.29%	93.80%	60th pctl	21 / 53
Loans / Assets	77.04%	63.64%	71.80%	79.37%	68th pctl	17 / 53
Brokered Deposits / Deposits	n/a	Not reported for this institution