# ELYSIAN BANK
ELYSIAN, MN · FDIC certificate 10185 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $76.0M | |
| Deposits | $66.4M | |
| Loans and leases | $58.5M | |
| Total equity | $9.3M | |
| Loans / deposits | 86.92% (p74 of band) | 73.59% |
| Liquid assets / assets | 19.35% (p20 of band) | |
| Uninsured deposits / deposits | 21.72% (p57 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.25% (p55 of band) | 11.76% |
| Unrealized securities loss / equity | -1.43% (p73 of band) | -6.57% |
| AOCI / equity | -0.28% (p55 of band) | |
| ROA (annualized) | 1.90% (p83 of band) | 1.17% |
| Net interest margin | 5.12% (p92 of band) | 3.93% |
| Efficiency ratio | 56.53% (p26 of band) | |
| Noncurrent loans | 0.74% (p64 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p60 of band) | |
| Reserve coverage of noncurrent | 181.61% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 13.53% (p44 of band) | |
| Auto loans | $2.6M (4.42% of loans; DQ 6.61%, NCO -0.03%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 10.7% | |
| Employees | 10 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 4 | losing money, charge-offs p90 |  |
| 2012-03 | 3 | capital falling | losing money, charge-offs p90 |
| 2012-06 | 3 |  |  |
| 2012-09 | 2 |  | capital falling |
| 2012-12 | 1 |  | noncurrent p90 |
| 2013-03 | 1 |  |  |
| 2013-06 | 5 | noncurrent p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-09 | 4 |  | noncurrent p90 |
| 2013-12 | 4 |  |  |
| 2014-03 | 3 | charge-offs p90 | assets shrinking, uninsured deposits leaving |
| 2014-06 | 4 | assets shrinking, uninsured deposits leaving | charge-offs p90 |
| 2014-09 | 2 | noncurrent p90 | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-12 | 3 | charge-offs p90 |  |
| 2015-03 | 2 |  | charge-offs p90 |
| 2015-06 | 1 |  | noncurrent p90 |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | charge-offs p90 |  |
| 2016-03 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2016-06 | 1 | uninsured deposits leaving |  |
| 2016-09 | 2 | reserve under noncurrent |  |
| 2016-12 | 3 | capital falling |  |
| 2017-03 | 1 |  | reserve under noncurrent, capital falling |
| 2017-06 | 0 |  | uninsured deposits leaving |
| 2017-09 | 1 | reserve under noncurrent |  |
| 2017-12 | 1 | capital falling | reserve under noncurrent |
| 2018-03 | 1 | reserve under noncurrent | capital falling |
| 2018-06 | 2 | noncurrent p90 |  |
| 2018-09 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | reserve under noncurrent |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | reserve under noncurrent |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 1 | reserve under noncurrent |  |
| 2021-03 | 3 | capital falling, noncurrent p90 |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 1 |  | capital falling, noncurrent p90 |
| 2021-12 | 0 |  | reserve under noncurrent |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2022-12 | 0 |  | charge-offs p90, reserve under noncurrent |
| 2023-03 | 1 | charge-offs p90 |  |
| 2023-06 | 1 | uninsured deposits leaving | charge-offs p90 |
| 2023-09 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2023-12 | 1 |  |  |
| 2024-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2024-06 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 0 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-20 [Sandra Bathke, 70, Robs Bank, Feared Losing Apartment - ABC News - Breaking News, Latest News and Videos](https://news.google.com/rss/articles/CBMihwFBVV95cUxNZ2VvaElvdTlvTzlMRkRHLXlLcjNyaUdVZFhpTmlhWV9iUFNQZFFRdmVndVdsTHFTNU1CeHllZVpNM3dZX2pZVXBkQnlBdHJJT2k1Q0pFU0oyZnQxUnFCczhzanNrY3JnWjNtcDQtWnFGWE9kblZrNUdxU09RMElIdlExNGFIcDjSAYwBQVVfeXFMT3JIa0JnSlBJNGRab2NuaUl2cUk1M3RMSUJ0TE1nZkRqZnM1RFpTNUlNSGdpZENPV2ZZdTNTUmFMNFhTalRhdFd3WEh1OWZPUlNZWXFCTHVvTnU5aGZaYW5DZXJWM2QwZWRjT3pYU3JfS0Rpd25Kemw4bUtwLWRzWW41Y1MwVmM2TmZHWDM?oc=5) · ABC News - Breaking News, Latest News and Videos
- 2023-08-20 [Ruth LaVonne Stavenau Obituary Aug 20, 2023 - Dennis Steffel Omtvedt Funeral and Cremation Service](https://news.google.com/rss/articles/CBMiYEFVX3lxTE5LSUZOalRyV2prdHEtbVFqbkt2VG96akdTVzJQQjZiQ0ktaXNiNjB4VEZYaHZObnpESGhIdnFtSkZ4UElrUHlNbjlHa0ZmclhqQXJ5NTA0Wk83YU5CejU3VQ?oc=5) · Dennis Steffel Omtvedt Funeral and Cremation Service
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2011-02-02 [Bathke went missing, then was found - Mankato Free Press](https://news.google.com/rss/articles/CBMizgFBVV95cUxQQjhoRVh6TFJzVjBGYVhqTmxldUJUdjFVbXAwdnpnWW8zNzZUR2dWdXJjWWVfZEdraFM4X011U1k4NEZ5aUR3NHl0SUVueXowVmk5aTJKYzFwcTBQaHNzN2JjSWV4RjhQWWpFNElsdDFGY2o1Y2w2cS02cGdSdm01a0Z3SWhzbzRYSDZKa3Z4bTUtTXVtbWYxSk5Mbk9SZ0NjYTlqQjdRNU5ua2JTbDN3RVdIeG1DQUhoOFRzam9sWEhWNE5XTFloYUNhcVBHZw?oc=5) · Mankato Free Press
- 2026-01-14 [Brady Glenn Kessler - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxPVlBRMl93Nk1qRGtSUmxVdHBIQ1I3UUpkS3lTVm5MUkJJNXJ3Nlp2cWtwYW5TMGY3MXgyai13ZGZxSlc0dnpHRnJDTE53TV93dFdSbVBNcXo5RWZkVmIydGtLaVFfWEQyeHNvVjhWNURIRXhqZDl3SUFqcy1LdmU5TFlB?oc=5) · legacy.com
- 2018-09-27 [Le Sueur County Historical Society takes the next step - southernminn.com](https://news.google.com/rss/articles/CBMi6gFBVV95cUxONHRVTmJoZENJY01NYXgteUFPNE5UOHN5ZUtxck5RaG5HZkkwR1BaWnNFR0wtVFlReDFTZ2lxVTJKcVdlNHJHQ2RGVjRFU3E1c0VPN2ROR3lRNUFqcUprWWpaS3R6MHRqc3QzS3l1R0x3dWFKOTFmV1VQTElvcGZpcE8wSWNzVmt4M2JGNlMyUEtaRXNicUV1eFB5YVFzZEJMZWZYV3Q5VFJkVjRjenJBMHV0NF9rSUVaSkVzc09XcDlqSW95bTNJbUtibnk3em13dk44cnh5a3BwV0xDYXNXTnhDR1JvZmg0amc?oc=5) · southernminn.com
- 2023-04-24 [Robert Charles Daninger - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxPbGRzRzZER2xDNFlVYWtuYllzNFJ4ekZiM1l1SlVhdWtBa3pHOFZ1ZW9MRlVOVlFQS3pMNElkT0F4YjUwcDkyUm5GX3g4WEw5N1FWcmY5VHdfNy1Xb1huMVduU3FreGFTSGZaZHp5dXBCREN1bG9od01yWUFuQURiTHhRRzEtX0MtNXBPc2dVYlE5TWs?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10185 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/9.json (key "10185", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide