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 | |