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VIKING BANK, NATIONAL ASSOCIATION

$100M-$1B Specialty: Commercial MN FDIC cert 32082

Alexandria, MN

3 branches across MN

2664 banks in the $100M-$1B peer group nationally 152 in MN
View $100M-$1B leaderboard (MN) →

VIKING BANK, NATIONAL ASSOCIATION shows strong momentum with 4 strengths and 11.8% YoY asset growth

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.38% above tier average
  • + Net Interest Margin 0.15% above tier average
  • + Efficiency Ratio 10.07% below tier average
  • + Delinquency Rate 0.59% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when VIKING BANK, NATIONAL ASSOCIATION releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $312.9M
+11.8% YoY +1.9% QoQ
-$73.2M $386.1M
+0.5% YoY
$512.9M
+5.5% YoY
$6.2B
+9.1% YoY
48%
Total Loans ? $251.4M
+10.7% YoY +3.2% QoQ
-$4.3M $255.7M
+1.1% YoY
$288.3M
+6.9% YoY
$3.2B
+10.8% YoY
60%
Total Deposits ? $266.9M
+15.2% YoY +2.1% QoQ
-$61.0M $328.0M
+0.1% YoY
$443.8M
+5.0% YoY
$4.8B
+8.2% YoY
48%
Return on Assets ? 1.65%
+17.9% YoY +7.6% QoQ
+0.38% 1.27%
+12.9% YoY
1.13%
+10.7% YoY
1.23%
+13.4% YoY
75%
Net Interest Margin ? 4.09%
+11.0% YoY +5.2% QoQ
+0.15% 3.93%
+6.0% YoY
3.93%
+7.5% YoY
3.89%
+5.7% YoY
62%
Efficiency Ratio ? 55.22%
-8.0% YoY -6.3% QoQ
-10.07% 65.29%
-4.5% YoY
64.77%
-3.3% YoY
66.95%
-4.1% YoY
73%
Delinquency Rate ? 0.30%
-75.9% YoY +32.9% QoQ
-0.59% 0.89%
+18.8% YoY
1.04%
+28.9% YoY
0.95%
+18.8% YoY
57%
Loan-to-Deposit Ratio ? 94.20%
-3.9% YoY +1.1% QoQ
+17.56% 76.64%
+0.8% YoY
76.69%
-0.4% YoY
76.70%
+0.9% YoY
16%
Non-Interest-Bearing Deposit Share ? 13.93%
+1.0% YoY -1.6% QoQ
-8.09% 22.02%
-1.0% YoY
21.87%
-0.9% YoY
22.01%
-1.2% YoY
20%
Nonperforming Asset Ratio ? 0.82%
-19.0% YoY +6.7% QoQ
+0.18% 0.64%
+19.7% YoY
0.77%
+27.1% YoY
0.67%
+19.3% YoY
25%
Tier 1 Capital Ratio ? 8.98%
-4.5% YoY -0.1% QoQ
-6.85% 15.83%
+1.5% YoY
15.37%
+0.7% YoY
17.06%
+0.8% YoY
Bottom 0.7% in tier
Non-Interest Income / Assets ? 0.12%
-5.6% YoY -77.6% QoQ
-0.16% 0.28%
+9.3% YoY
0.16%
+5.0% YoY
0.32%
+4.1% YoY
61%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

665
Return on Assets
profitability
Value: 1.65%
Peer Median: 1.27%
#665 of 2664 Top 24.9% in $100M-$1B

Top Weaknesses (4 metrics)

2647
Tier 1 Capital Ratio
capital
Value: 8.98%
Peer Median: 15.83%
#2647 of 2664 Bottom 0.7% in $100M-$1B
2231
Loan-to-Deposit Ratio
liquidity
Value: 94.20%
Peer Median: 76.64%
#2231 of 2664 Bottom 16.3% in $100M-$1B
2122
Non-Interest-Bearing Deposit Share
funding
Value: 13.93%
Peer Median: 22.02%
#2122 of 2664 Bottom 20.4% in $100M-$1B
2000
Nonperforming Asset Ratio
credit_quality
Value: 0.82%
Peer Median: 0.64%
#2000 of 2664 Bottom 25.0% in $100M-$1B
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