Elysian Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Net interest margin rose 0.37 percentage points in Q2 2026 to 5.10%, the biggest move on this page. On net interest margin, Elysian Bank ranks 14th highest among the 221 banks headquartered in Minnesota, at 5.10% (Q2 2026). The median for banks in the < $100M asset tier is 3.88% on net interest margin. Elysian Bank sits 1.22 points higher, at 5.10% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.67% |
| Yield on loans | 7.61% |
| Yield on securities | 2.65% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.77% |
| Cost of interest-bearing deposits | 2.17% |
| Cost of interest-bearing liabilities | 2.17% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.10% |
| Yield to cost spread | 4.50% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.1M |
| Total interest expense | $292K |
| Interest expense on deposits | $292K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.35% | 0.94% | 4.50% | 6.45% | 0.94% |
| Q4 2023 | 5.74% | 1.06% | 4.75% | 6.73% | 1.13% |
| Q1 2024 | 6.04% | 1.29% | 4.89% | 6.89% | 1.47% |
| Q2 2024 | 6.32% | 1.63% | 4.87% | 6.98% | 1.57% |
| Q3 2024 | 6.33% | 1.73% | 4.75% | 7.08% | 1.11% |
| Q4 2024 | 6.56% | 1.82% | 4.93% | 7.21% | 1.86% |
| Q1 2025 | 6.35% | 1.85% | 4.69% | 7.16% | 2.19% |
| Q2 2025 | 6.94% | 1.89% | 5.25% | 7.67% | 2.26% |
| Q3 2025 | 6.72% | 1.88% | 5.03% | 7.46% | 2.57% |
| Q4 2025 | 6.61% | 1.85% | 4.96% | 7.48% | 2.57% |
| Q1 2026 | 6.32% | 1.77% | 4.73% | 7.40% | 2.61% |
| Q2 2026 | 6.67% | 1.77% | 5.10% | 7.61% | 2.65% |
Elysian Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Elysian Bank, freeSource: Call Report Schedules RI and RC-K, 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)