Viking Bank, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 9.00 percentage points lower than in Q1 2026, at 189.35%. 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, 10.85 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $259.9M |
| Net loans and leases | $256.5M |
| Loans held for sale | $0 |
| Loans to total assets | 78.68% |
| Loan-to-deposit ratio | 91.80% |
| Net loans to equity capital | 6.62% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 38.20% |
| Multifamily (5+ residential) | 2.83% |
| Commercial and industrial | 12.32% |
| Consumer | 3.07% |
| Credit cards | 0.00% |
| Farm | 5.22% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.15% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 189.35% |
| Construction concentration (Tier 1 capital + allowance) | 23.96% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.59% |
| Interest income on loans | $4.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $208.1M | $232.3M | 37.64% | 13.84% | 3.30% |
| Q4 2023 | $212.9M | $224.0M | 37.50% | 13.43% | 3.57% |
| Q1 2024 | $212.9M | $227.0M | 38.44% | 13.76% | 3.36% |
| Q2 2024 | $216.4M | $217.7M | 37.55% | 14.09% | 3.93% |
| Q3 2024 | $218.0M | $227.3M | 38.48% | 12.31% | 3.77% |
| Q4 2024 | $226.9M | $236.3M | 39.27% | 10.94% | 3.35% |
| Q1 2025 | $230.0M | $231.6M | 39.95% | 11.04% | 2.94% |
| Q2 2025 | $230.0M | $230.6M | 42.08% | 12.28% | 3.45% |
| Q3 2025 | $229.1M | $248.1M | 42.40% | 10.02% | 3.49% |
| Q4 2025 | $246.8M | $261.5M | 42.81% | 11.56% | 2.95% |
| Q1 2026 | $254.7M | $266.9M | 38.74% | 13.97% | 3.06% |
| Q2 2026 | $259.9M | $283.1M | 38.20% | 12.32% | 3.07% |
Viking Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Viking Bank, N.A., freeSource: Call Report Schedule RC-C, 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)