Viking Bank, National Association
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
$330.3MAssets
$259.9MLoans
$283.1MDeposits
$38.7MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 72% of banks under $1B in assets in MN (rank 33 of 113).
- Widest gap: total risk-based capital ratio trails 100% of banks under $1B in assets in MN (rank 113 of 113).
- Overall: at or above the peer median on 6 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $6.0M · efficiency ratio beats 72% of banks under $1B in assets in MN | 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 |