BlastPoint's Banking Scorecard
Elysian Bank
Micro
Specialty: Commercial
MN
FDIC cert 10185
Designations: ✓ Community bank
Elysian, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Elysian Bank shows strong momentum with 1 strength and 9.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.32% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$76.5M
+9.5% YoY
+6.1% QoQ
|
-$140.9M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 15% in tier |
| Total Loans ? |
$54.9M
+7.7% YoY
+0.6% QoQ
|
-$84.2M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
23% |
| Total Deposits ? |
$67.2M
+9.9% YoY
+6.8% QoQ
|
-$116.5M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
16% |
| Return on Assets ? |
1.87%
-26.1% YoY
-4.6% QoQ
|
+0.79% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Top 13% in tier |
| Net Interest Margin ? |
5.18%
+1.6% YoY
-0.5% QoQ
|
+1.32% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 7% in tier |
| Efficiency Ratio ? |
57.57%
+11.2% YoY
+0.8% QoQ
|
-10.16% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
74% |
| Delinquency Rate ? |
0.41%
-61.8% YoY
-13.6% QoQ
|
-0.23% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
81.74%
-2.1% YoY
-5.8% QoQ
|
+7.21% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
22.29%
+16.0% YoY
+0.5% QoQ
|
-0.10% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
53% |
| Nonperforming Asset Ratio ? |
0.30%
-71.9% YoY
-18.1% QoQ
|
-0.16% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
49% |
| Tier 1 Capital Ratio ? |
14.59%
-3.1% YoY
-0.4% QoQ
|
+5.74% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.30%
-72.6% YoY
+4.4% QoQ
|
-0.27% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
40% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 7%
in Micro
Why this stands out
Current:
5.18%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Net Interest Margin
Current: 5.18% · Tier avg: 3.85%
87
87th pctile
Return on Assets
Current: 1.87% · Tier avg: 1.08%
74
74th pctile
Efficiency Ratio
Current: 57.57% · Tier avg: 67.73%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.59% · Tier avg: 8.85%
53
53th pctile
Non-Interest-Bearing Deposit Share
Current: 22.29% · Tier avg: 22.39%
49
49th pctile
Delinquency Rate
Current: 0.41% · Tier avg: 0.64%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.45%
40
40th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
39
39th pctile
Loan-to-Deposit Ratio
Current: 81.74% · Tier avg: 74.53%
23
23th pctile
Total Loans
Current: $54.9M · Tier avg: $139.2M
16
16th pctile
Total Deposits
Current: $67.2M · Tier avg: $183.7M
15
15th pctile
Total Assets
Current: $76.5M · Tier avg: $217.5M
Top Weaknesses
15
15th pctile
Total Assets
Current: $76.5M · Tier avg: $217.5M
16
16th pctile
Total Deposits
Current: $67.2M · Tier avg: $183.7M
23
23th pctile
Total Loans
Current: $54.9M · Tier avg: $139.2M
39
39th pctile
Loan-to-Deposit Ratio
Current: 81.74% · Tier avg: 74.53%
40
40th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.45%
49
49th pctile
Delinquency Rate
Current: 0.41% · Tier avg: 0.64%
53
53th pctile
Non-Interest-Bearing Deposit Share
Current: 22.29% · Tier avg: 22.39%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.59% · Tier avg: 8.85%
74
74th pctile
Efficiency Ratio
Current: 57.57% · Tier avg: 67.73%
87
87th pctile
Return on Assets
Current: 1.87% · Tier avg: 1.08%
93
93th pctile
Net Interest Margin
Current: 5.18% · Tier avg: 3.85%