Elysian, MN · Cert 10185 · Elysian Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.0% share · #106 of 125 inst. · $0.1B of $253.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.57% | 2.16% | 1.42% | 1.58% | 1.68% | 1.64% | 1.55% | 1.66% | +8 bps | |
| Return on Equity | 13.06% | 17.87% | 11.63% | 12.79% | 13.58% | 13.38% | 13.20% | 14.00% | +121 bps | |
| Net Interest Margin | 4.63% | 4.43% | 4.54% | 4.86% | 4.71% | 4.61% | 4.59% | 4.79% | -7 bps | |
| Efficiency Ratio | 59.34% | 51.75% | 61.01% | 58.78% | 57.13% | 57.57% | 58.38% | 56.53% | -225 bps | |
| Non-Interest Burden | 2.56% | 1.76% | 2.64% | 2.72% | 2.53% | 2.53% | 2.53% | 2.56% | -16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.36% | 9.08% | 11.90% | 10.13% | 9.28% | 9.49% | 12.31% | 10.21% | +8 bps | |
| Loan Growth (YoY) | 8.31% | 9.53% | 11.76% | 12.65% | 8.59% | 7.54% | 4.56% | 4.80% | -784 bps | |
| Deposit Growth (YoY) | 1.39% | 8.22% | 11.63% | 9.72% | 8.87% | 9.94% | 13.01% | 10.71% | +99 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.17% | 1.06% | 1.11% | 0.48% | 0.47% | 0.41% | 1.00% | 0.74% | +27 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.02% | 0.10% | 0.04% | 0.10% | 0.13% | -0.04% | 0.01% | -3 bps | |
| Allowance / Loans | 1.50% | 1.48% | 1.44% | 1.41% | 1.39% | 1.35% | 1.39% | 1.35% | -6 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.4x | 1.3x | 2.9x | 3.0x | 3.3x | 1.4x | 1.8x | -1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.74% | 12.84% | 12.46% | 13.00% | 12.71% | 12.37% | 11.90% | 12.25% | -75 bps | |
| Total Risk-Based Capital | 15.94% | 16.31% | 15.79% | 15.80% | 15.89% | 15.80% | 15.63% | 15.84% | +4 bps | |
| Equity / Assets | 12.10% | 12.31% | 12.13% | 12.64% | 12.42% | 11.85% | 11.58% | 12.20% | -44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.25% | 84.71% | 87.09% | 93.07% | 88.02% | 82.86% | 80.58% | 88.11% | -496 bps | |
| Liquid Assets / Assets | 11.56% | 13.60% | 12.17% | 6.87% | 10.75% | 15.84% | 18.38% | 12.48% | +561 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 172.70% | 186.43% | 185.16% | n/a | n/a | |