Bank Comparison
Viking Bank, N.A. vs First Bethany Bank & Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 7
winning metrics across 17 comparable rows
Capital adequacy
| Metric | Viking Bank, N.A. | First Bethany Bank & Trust |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 8.98% | 9.19% |
| Equity / Assets | 11.95% | 5.68% |
Profitability
| Metric | Viking Bank, N.A. | First Bethany Bank & Trust |
|---|---|---|
| Return on Assets (ROA) | 1.65% | 1.10% |
| Return on Equity (ROE) | 13.79% | 19.77% |
| Net Interest Margin (NIM) | 3.95% | 3.15% |
| Yield on Earning Assets | 5.94% | 4.90% |
| Cost of Funds | 2.16% | 1.88% |
Asset quality
| Metric | Viking Bank, N.A. | First Bethany Bank & Trust |
|---|---|---|
| Texas Ratio | 8.80% | 2.52% |
| Non-Performing Loan Ratio | 0.22% | 0.16% |
| Non-Performing Asset Ratio | 0.75% | 0.09% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.28% | 0.98% |
Balance sheet
| Metric | Viking Bank, N.A. | First Bethany Bank & Trust |
|---|---|---|
| Total Assets | $312,925K | $312,971K |
| Total Deposits | $266,930K | $265,138K |
| Total Loans | $254,700K | $187,777K |
| Total Equity | $37,406K | $17,788K |
| Net Income (quarter) | $1,276K | $868 |
Liquidity & funding
| Metric | Viking Bank, N.A. | First Bethany Bank & Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 95.42% | 70.82% |
| Core Deposit Ratio | 87.65% | 85.72% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Viking Bank, N.A. | First Bethany Bank & Trust |
|---|---|---|
| Headquarters City | ALEXANDRIA | BETHANY |
| Headquarters State | MN | OK |
| Asset Tier | Small | Small |
| Charter Class | 25210 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 3 | 3 |
| Employees (FTE) | 42 | 42 |
| Established | April 7, 1981, midnight | Jan. 1, 1923, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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