Elysian Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which rose 0.62 percentage points to 12.20%. Elysian Bank ranks 74th of 162 Minnesota banks on CET1 ratio, in the upper half at 14.61% (Q2 2026). Elysian Bank reported 14.61% on CET1 ratio for Q2 2026, 5.36 points below the 19.96% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.61% |
| Tier 1 risk-based capital ratio | 14.61% |
| Total risk-based capital ratio | 15.84% |
| Tier 1 leverage ratio | 12.25% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $9.4M |
| Tier 1 capital | $9.4M |
| Total risk-based capital | $10.2M |
| Total equity capital | $9.3M |
| Risk-weighted assets | $64.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.20% |
| Tangible equity to tangible assets | 12.20% |
| Equity capital to average assets | 12.07% |
| Internal capital growth rate | 6.10% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $25K |
| Common stock surplus | $4.0M |
| Retained earnings | $5.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$133K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 11.93% | — |
| Q4 2023 | 14.64% | 14.64% | 15.89% | 12.11% | $52.7M |
| Q1 2024 | 14.65% | 14.65% | 15.90% | 12.43% | $53.1M |
| Q2 2024 | 14.44% | 14.44% | 15.69% | 12.77% | $55.3M |
| Q3 2024 | 14.69% | 14.69% | 15.94% | 12.74% | $55.6M |
| Q4 2024 | 15.05% | 15.05% | 16.31% | 12.84% | $58.8M |
| Q1 2025 | 14.54% | 14.54% | 15.79% | 12.46% | $59.9M |
| Q2 2025 | 14.55% | 14.55% | 15.80% | 13.00% | $60.9M |
| Q3 2025 | 14.65% | 14.65% | 15.89% | 12.71% | $62.1M |
| Q4 2025 | 14.59% | 14.59% | 15.80% | 12.37% | $62.9M |
| Q1 2026 | 14.42% | 14.42% | 15.63% | 11.90% | $64.2M |
| Q2 2026 | 14.61% | 14.61% | 15.84% | 12.25% | $64.4M |
Elysian Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Elysian Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Elysian Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10185) · FFIEC NIC profile (RSSD 13251)