Elysian Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 11.12 percentage points higher than in Q1 2026, at 83.51%. Elysian Bank ranks 29th of 221 Minnesota banks on return on assets, in the upper half at 2.05% (Q2 2026). Elysian Bank's return on assets of 2.05% is well above the 1.00% median for banks in the < $100M asset tier, a gap of 1.05 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.61% |
| Tier 1 risk-based capital ratio | 14.61% |
| Total risk-based capital ratio | 15.84% |
| Tier 1 leverage ratio | 12.25% |
| Equity capital to assets | 12.20% |
| Tangible equity to tangible assets | 12.20% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.62% |
| Non-performing assets ratio | 1.25% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 4.32% |
| Allowance for credit losses to loans | 1.35% |
| Reserve coverage of non-performing loans | 83.51% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.05% |
| Return on equity | 17.14% |
| Net interest margin | 5.10% |
| Efficiency ratio | 54.76% |
| Yield on earning assets | 6.67% |
| Cost of funds | 1.77% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.11% |
| Core deposits to total deposits | 93.46% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.44% |
| Securities to assets | 4.33% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 11.93% | 2.02% |
| Q4 2023 | 14.64% | 14.64% | 15.89% | 12.11% | 1.71% |
| Q1 2024 | 14.65% | 14.65% | 15.90% | 12.43% | 1.89% |
| Q2 2024 | 14.44% | 14.44% | 15.69% | 12.77% | 1.90% |
| Q3 2024 | 14.69% | 14.69% | 15.94% | 12.74% | 1.80% |
| Q4 2024 | 15.05% | 15.05% | 16.31% | 12.84% | 4.47% |
| Q1 2025 | 14.54% | 14.54% | 15.79% | 12.46% | 1.66% |
| Q2 2025 | 14.55% | 14.55% | 15.80% | 13.00% | 2.06% |
| Q3 2025 | 14.65% | 14.65% | 15.89% | 12.71% | 2.20% |
| Q4 2025 | 14.59% | 14.59% | 15.80% | 12.37% | 1.65% |
| Q1 2026 | 14.42% | 14.42% | 15.63% | 11.90% | 1.73% |
| Q2 2026 | 14.61% | 14.61% | 15.84% | 12.25% | 2.05% |
Elysian Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Elysian Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)