Viking Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Viking Bank, N.A. of Alexandria, MN against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.84% | 1.34% | +0.50% | 80th top |
| ROAE | 15.28% | 13.31% | +1.97% | 67th above |
| Net Interest Margin | 4.18% | 3.93% | +0.25% | 63rd above |
| Efficiency Ratio | 55.99% | 61.14% | -5.15% | 66th above |
| PPNR / Avg Assets | 1.95% | 1.68% | +0.27% | 70th above |
| Yield on Earning Assets | 6.15% | 5.67% | +0.48% | 75th top |
| Cost of Funds | 2.11% | 1.88% | +0.23% | 31st below |
| Net Interest Spread | 3.68% | 3.32% | +0.36% | 70th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.33% | 0.94% | -0.61% | 55th above |
| NPA / Total Assets | 0.81% | 0.70% | +0.11% | 26th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.16% | -0.16% | 47th below |
| ACL / Total Loans | 1.30% | 1.28% | +0.02% | 63rd above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 396.02% | 1539.07% | -1143.05% | 66th above |
| Texas Ratio | 10.41% | 7.33% | +3.08% | 21st bottom |
| Provision / NCO | 11300.00% | 1390.67% | +9909.33% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.19% | 12.14% | -2.95% | 15th bottom |
| Equity / Assets | 11.72% | 11.37% | +0.35% | 68th above |
| TCE / Tangible Assets | 8.55% | 11.09% | -2.54% | 23rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.80% | 80.63% | +11.17% | 24th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.43% | 86.86% | +1.57% | 46th below |
| Wholesale Funding Ratio | 1.77% | 5.03% | -3.26% | 72nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 18.94% | 6.85% | +12.09% | 94th top |
| Loan Growth (Y/Y) | 12.99% | 7.90% | +5.09% | 82nd top |
| Deposit Growth (Y/Y) | 22.76% | 6.28% | +16.48% | 95th top |
See Viking Bank, N.A.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Viking Bank, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Viking Bank, N.A. profile, how to read a UBPR, or how this data updates.