Elysian Bank: how it compares with its peers
Against 78 MN banks with half to twice its assets, Elysian Bank's strongest measure in Q2 2026 is net interest margin (5.12% vs. a 4.04% peer median). Its weakest relative measure is assets per employee ($7.6M vs. $7.1M).
| Measure | Elysian Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.90% | 1.25% | Top third Ahead of 88% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.12% | 4.04% | Top third Ahead of 92% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 56.53% | 61.56% | Middle third Ahead of 64% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.6M | $7.1M | Middle third Ahead of 59% of peers |
| Loans to deposits Net loans and leases over total deposits. | 86.92% | 77.82% | Context |
What it means for lending operations
Its efficiency ratio of 56.53% is better than the 61.56% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Randall State Bank Randall, MN · $76M
- Bonanza Valley State Bank Brooten, MN · $75M
- Farmers State Bank of Trimont Trimont, MN · $73M
- Security State Bank of Kenyon Kenyon, MN · $72M
- State Bank of Cold Spring Cold Spring, MN · $82M
- American State Bank of Grygla Grygla, MN · $82M
Questions about Elysian Bank
How big is Elysian Bank?
Elysian Bank, established in 1907, is headquartered in Elysian, MN. It reported $76M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Elysian Bank's return on assets?
1.90% annualized in Q2 2026, against a 1.25% median for 78 MN banks with half to twice its assets, ahead of 88% of them.
What is Elysian Bank's efficiency ratio?
56.53% in Q2 2026: it spent about 57 cents in noninterest expense for each dollar of revenue. The peer median is 61.56%, and lower is better.
Is Elysian Bank growing its loans?
Net loans grew 4.9% over the year to Q2 2026, while deposits grew 10.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Minnesota bank ranked.