| Metric | Elysian Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.2% | +3.0% | +7.2 pts |
| Deposit growth (YoY) | +10.7% | +2.5% | +8.2 pts |
| Loan growth (YoY) | +4.9% | +2.6% | +2.3 pts |
| ROA | 1.90% | 0.99% | +0.9 pts |
| ROE | 16.0% | 8.1% | +7.9 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $76.0M | $66.4M | $57.7M | $9.3M | $731K | 1.90% | 5.12% | 0.57% |
| Q1 2026 | $78.8M | $69.4M | $55.1M | $9.1M | $337K | 1.74% | 4.93% | 0.71% |
| Q4 2025 | $76.5M | $67.2M | $54.9M | $9.1M | $1.3M | 1.87% | 5.18% | 0.30% |
| Q3 2025 | $72.2M | $62.9M | $54.6M | $9.0M | $1.0M | 1.96% | 5.20% | 0.36% |
| Q2 2025 | $68.9M | $60.0M | $55.1M | $8.7M | $641K | 1.84% | 5.17% | 0.39% |
| Q1 2025 | $70.2M | $61.4M | $52.7M | $8.5M | $289K | 1.65% | 4.91% | 1.11% |
| Q4 2024 | $69.9M | $61.1M | $51.0M | $8.6M | $1.6M | 2.53% | 5.10% | 1.05% |
| Q3 2024 | $66.0M | $57.8M | $50.3M | $8.0M | $879K | 1.84% | 5.06% | 0.91% |
Loan mix (Q2 2026): real estate $44.0M · commercial $6.0M · consumer $5.5M · securities $3.3M
| Ratio | Elysian Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.90% | 0.99% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 16.0% | 8.1% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.12% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.5% | 70.8% | 20th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Elysian Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Elysian Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Elysian Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Elysian Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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