Elysian Bank
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Data as of · sourced from FFIEC call reports. How we update
Elysian Bank is an FDIC-insured commercial bank headquartered in Elysian, MN, established in 1907 (FDIC certificate 10185), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $76.0M, up 10.2% from Q2 2025, the 190th largest of 221 banks headquartered in Minnesota. Its CET1 capital ratio was 14.61% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10185
- Headquarters
- Elysian, MN
- Established
- 1907
- Total assets, Q2 2026
- $76.0M
- Assets vs Q2 2025
- +10.2%
- CET1 ratio, Q2 2026
- 14.61%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 091907374
- Latest call report
- Q2 2026, FFIEC 051 · Elysian Bank call report
- Holding company
- ELYSIAN, INC.
- Asset rank in state
- 190th of 221 in Minnesota
Elysian Bank leans heavily on commercial real estate. Based in Elysian, Minnesota, it had $76 million in assets at June 30, 2026, up 10.2% from a year earlier. It holds commercial real estate loans worth 1.6 times its capital, 6.2 times the median of 26% for the 583 banks with less than $100 million in assets. On the other hand, it keeps 5.10 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.87 cents).
The commercial and industrial book ($6.0 million) is worsening: 7.83% of it is past due or on nonaccrual, up from 0.39% a year earlier. Delinquency has appeared in its $15 million non-owner-occupied commercial real estate book: 4.46% of those loans are past due or on nonaccrual, against almost none a year earlier. Where it has less room is capital: it holds common equity equal to 14.61% of its risk-weighted assets, lower than about three-quarters of banks its size (median 22.08%).
As of June 30, 2026, Elysian Bank reported a CET1 capital ratio of 14.61%, a return on assets of 2.05%, a nonperforming-loan ratio of 0.74% and a Texas ratio of 4.32%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Elysian Bank is the 190th largest of the 221 banks headquartered in Minnesota. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 3.6% to $76.0M, loans rose 4.7% and deposits fell 4.2%. 1-4 family residential loans made up 38.4% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 26.1%. The FDIC Summary of Deposits lists a single office for it, in Elysian, MN. Judged on its Q2 2026 call report, Elysian Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 121 Main St E, Elysian, MN 56028
- County
- Le Sueur
- Metro Area
- Minneapolis-St. Paul-Bloomington, MN-WI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 24, 1907
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 10
- Domestic deposits
- $66.4M
- Allowance for credit losses
- $790K
- Net charge-offs (YTD)
- $2K
- Average total assets
- $76.8M
- Average total loans
- $57.0M
- Average interest-bearing deposits
- $52.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10185
- Fed RSSD
- 13251
- Website
- www.elysianbank.net →
- Parent Holding Company
- ELYSIAN, INC. (RSSD 1128947)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Elysian Bank's total assets moved between a low of $62.6M (Q2 2024) and a high of $78.8M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$76.0M total assets against $68.9M; $66.7M total liabilities against $60.2M.
$57.7M net loans and leases against $55.1M; $66.4M total deposits against $60.0M.
$3.3M securities against $3.3M; $11.4M cash and balances due against $7.0M.
$1.2M total interest income against $1.1M; $292K total interest expense against $278K.
$947K net interest income against $866K.
$61K total noninterest income against $56K; $552K total noninterest expense against $523K.
$22K provision for credit losses against $15K.
$394K net income against $352K.
2.05% return on assets against 2.06%; 5.10% net interest margin against 5.25%.
14.61% CET1 capital ratio against 14.55%; 12.25% tier 1 leverage ratio against 13.00%.
Inside the full Elysian Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeQuarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.65% (Q4 2025) to 4.47% (Q4 2024) and its net interest margin ran from 4.69% (Q1 2025) to 5.25% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.61% | 2.05% | 0.74% | 4.32% | 5.10% |
| Q1 2026 | 14.42% | 1.73% | 1.00% | 5.63% | 4.73% |
| Q4 2025 | 14.59% | 1.65% | 0.41% | 2.30% | 4.96% |
| Q3 2025 | 14.65% | 2.20% | 0.47% | 2.67% | 5.03% |
| Q2 2025 | 14.55% | 2.06% | 0.48% | 2.81% | 5.25% |
| Q1 2025 | 14.54% | 1.66% | 1.11% | 8.41% | 4.69% |
| Q4 2024 | 15.05% | 4.47% | 1.06% | 7.83% | 4.93% |
| Q3 2024 | 14.69% | 1.80% | 1.17% | 6.84% | 4.75% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Elysian Bank (main office) | Elysian , MN | 56028 | $66.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MN, rank 231 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $89K approved, $89K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Elysian Bank
What are Elysian Bank's total assets?
As of the Q2 2026 filing, Elysian Bank reported total assets of $76.0 million in its FFIEC call report.
Where is Elysian Bank headquartered?
It is headquartered in Elysian, MN, United States.
When was Elysian Bank founded?
It was established in 1907, per the FDIC institution directory.
Is Elysian Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10185). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Elysian Bank?
Elysian Bank's primary federal regulator is the FDIC.
What is Elysian Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.61% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Elysian Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Elysian Bank's Texas Ratio?
Its Texas Ratio is 4.32% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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