Alexandria, MN · Cert 32082 · Viking Financial Corp.
National charter · OCC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in MN (n=111 to 113). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
24
Asset Quality
59
Profitability
53
Liquidity
38
Efficiency
72
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Alexandria, MN · Cert 32082 · Viking Financial Corp.
National charter · OCC · 3 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.87% | 0.92% | 1.11% | 1.20% | 1.29% | 1.21% | 1.30% | 1.36% | +16 bps | |
| Return on Equity | 6.87% | 7.27% | 8.86% | 9.49% | 10.25% | 9.72% | 10.89% | 11.43% | +194 bps | |
| Net Interest Margin | 3.13% | 2.95% | 3.55% | 3.62% | 3.65% | 3.54% | 3.87% | 3.93% | +31 bps | |
| Efficiency Ratio | 65.89% | 65.01% | 59.99% | 59.20% | 56.74% | 58.93% | 55.22% | 55.75% | -346 bps | |
| Non-Interest Burden | 1.78% | 1.66% | 1.84% | 1.83% | 1.75% | 1.79% | 1.85% | 1.89% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.50% | 4.89% | 2.96% | 5.98% | 7.78% | 9.04% | 11.82% | 18.94% | +1,296 bps | |
| Loan Growth (YoY) | 4.75% | 6.58% | 8.03% | 6.26% | 5.10% | 8.75% | 10.74% | 12.99% | +673 bps | |
| Deposit Growth (YoY) | -2.17% | 5.50% | 2.05% | 5.95% | 9.17% | 10.66% | 15.25% | 22.76% | +1,681 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.97% | 0.83% | 1.23% | 1.11% | 0.31% | 0.22% | 0.30% | 0.53% | -58 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.24% | 1.24% | 1.26% | 1.31% | 1.28% | 1.28% | 1.28% | 1.30% | 0 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.5x | 1.0x | 1.2x | 4.1x | 5.7x | 4.3x | 2.5x | +1.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.37% | 8.70% | 9.40% | 9.49% | 9.51% | 8.99% | 8.98% | 9.19% | -30 bps | |
| Total Risk-Based Capital | 9.37% | 8.70% | 9.40% | 9.49% | 9.51% | 8.99% | 8.98% | 9.19% | -30 bps | |
| Equity / Assets | 12.75% | 12.33% | 12.62% | 12.91% | 12.44% | 11.91% | 11.95% | 11.72% | -119 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.93% | 96.03% | 99.30% | 99.73% | 92.35% | 94.38% | 95.42% | 91.80% | -793 bps | |
| Liquid Assets / Assets | 5.05% | 5.62% | 4.44% | 3.13% | 8.20% | 6.02% | 5.40% | 7.45% | +433 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 434% | 447% | 425% | n/a | n/a | |
Alexandria, MN · Cert 32082 · Peer group: banks under $1B in assets in MN (n=111-113) · Viking Financial Corp.
National charter · OCC · 3 branches
Q2 2026
Return on Assets
1.30%
Rank 44 of 113
Net Interest Margin
3.93%
Rank 55 of 113
Efficiency Ratio
55.75%
Rank 33 of 113
Equity / Assets
11.72%
Rank 33 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.30% | 0.87% | 1.20% | 1.41% | Beats 61% | 44 / 113 | ||
| Return on Equity | 11.09% | 8.92% | 11.27% | 13.99% | Beats 47% | 60 / 113 | ||
| Net Interest Margin | 3.93% | 3.42% | 3.88% | 4.31% | Beats 51% | 55 / 113 | ||
| Efficiency Ratio | 55.75% | 54.13% | 61.48% | 69.86% | Beats 72% | 33 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.53% | 0.09% | 0.58% | 1.82% | Beats 55% | 51 / 111 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 63% | 42 / 111 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.19% | 11.53% | 13.31% | 18.13% | Beats 0% | 113 / 113 | ||
| Total Risk-Based Capital Ratio | 9.19% | 12.12% | 14.43% | 19.39% | Beats 0% | 113 / 113 | ||
| Equity / Assets | 11.72% | 8.52% | 10.10% | 11.94% | Beats 71% | 33 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 91.80% | 62.08% | 77.32% | 88.06% | 81st pctl | 21 / 111 | ||
| Loans / Assets | 78.68% | 55.01% | 66.35% | 75.50% | 80th pctl | 23 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||