Viking Bank, N.A.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 5.05 percentage points lower than in Q1 2026, at 103.81%. Within Minnesota, Viking Bank, N.A. is 58th of 221 on loan-to-deposit ratio, 91.80% as of Q2 2026, above the middle of the field. Viking Bank, N.A. reported 91.80% on loan-to-deposit ratio for Q2 2026, 10.96 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $33.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $48.6M |
| Fed funds sold and reverse repos | $382K |
| Fed funds sold and reverse repos to assets | 0.12% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $5.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.77% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.80% |
| Net loans and leases to deposits | 90.60% |
| Loans and leases to core deposits | 103.81% |
| Core deposits to total deposits | 88.43% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 89.59% | 85.10% | $0 | $8.5M |
| Q4 2023 | 95.07% | 85.13% | $0 | $8.2M |
| Q1 2024 | 93.81% | 86.43% | $0 | $8.0M |
| Q2 2024 | 99.44% | 85.46% | $0 | $7.7M |
| Q3 2024 | 95.93% | 86.34% | $0 | $7.5M |
| Q4 2024 | 96.03% | 86.51% | $0 | $7.2M |
| Q1 2025 | 99.30% | 85.89% | $0 | $9.9M |
| Q2 2025 | 99.73% | 87.17% | $0 | $8.7M |
| Q3 2025 | 92.35% | 87.39% | $0 | $6.5M |
| Q4 2025 | 94.38% | 87.82% | $0 | $6.2M |
| Q1 2026 | 95.42% | 87.65% | $0 | $5.9M |
| Q2 2026 | 91.80% | 88.43% | $0 | $5.8M |
Viking Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Viking Bank, N.A., freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Viking Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32082) · FFIEC NIC profile (RSSD 484776)