VIKING BANK, NATIONAL ASSOCIATION

ALEXANDRIA, MN | Small | Est. April 7, 1981, midnight | FDIC #32082 | RSSD #484776 | OCC
Latest Report: 2025-12-31

VIKING BANK, NATIONAL ASSOCIATION is asn small FDIC-insured commercial bank headquartered in ALEXANDRIA, MN, established in April 7, 1981, midnight. As of 2025-12-31, the bank reported total assets of $307M and total deposits of $261M. Profitability stands at 1.23% ROA and 10.14% ROE, with a net interest margin of 3.94%. The bank's CET1 capital ratio is 4.81%, below regulatory well-capitalized thresholds. Asset quality metrics show a non-performing loan ratio of 0.21% and a Texas Ratio of 5.86%. FDIC Certificate #32082.

Assets

$307M

Deposits

$261M

Loans

$247M

Equity

$37M

Profitability

Return on Assets (ROA) 1.23%
Return on Equity (ROE) 10.14%
Net Interest Margin (NIM) 3.94%
Yield on Assets 6.06%
Cost of Funds 2.24%

Asset Quality

NPL Ratio 0.21%
Net Charge-Off Ratio 0.04%
Texas Ratio 5.86%
NPA Ratio 0.76%
ACL / Loans 1.28%

Capital & Liquidity

CET1 Ratio 4.81%
Tier 1 Capital 4.81%
Total Capital Ratio 5.05%
Leverage Ratio 8.99%
Loan-to-Deposit 94.38%

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