Viking Bank, N.A.: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.23 percentage points to 4.18%. Viking Bank, N.A. ranks 91st of 221 Minnesota banks on net interest margin, in the upper half at 4.18% (Q2 2026). Viking Bank, N.A. reported 4.18% on net interest margin for Q2 2026, 0.23 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.15% |
| Yield on loans | 6.59% |
| Yield on securities | 3.11% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.11% |
| Cost of interest-bearing deposits | 2.46% |
| Cost of interest-bearing liabilities | 2.47% |
| Cost of borrowings | 2.78% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.18% |
| Yield to cost spread | 3.68% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.3M |
| Total interest expense | $1.5M |
| Interest expense on deposits | $1.4M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.00% | 1.94% | 3.29% | 5.36% | 2.27% |
| Q4 2023 | 5.17% | 2.18% | 3.21% | 5.52% | 2.26% |
| Q1 2024 | 5.23% | 2.37% | 3.13% | 5.58% | 2.29% |
| Q2 2024 | 5.36% | 2.51% | 3.15% | 5.73% | 2.58% |
| Q3 2024 | 5.52% | 2.60% | 3.23% | 5.92% | 2.57% |
| Q4 2024 | 5.55% | 2.60% | 3.22% | 6.05% | 2.63% |
| Q1 2025 | 5.72% | 2.38% | 3.58% | 6.14% | 2.79% |
| Q2 2025 | 5.87% | 2.34% | 3.75% | 6.31% | 2.87% |
| Q3 2025 | 5.99% | 2.27% | 3.92% | 6.50% | 2.95% |
| Q4 2025 | 5.97% | 2.25% | 3.89% | 6.45% | 3.02% |
| Q1 2026 | 5.94% | 2.16% | 3.95% | 6.46% | 3.04% |
| Q2 2026 | 6.15% | 2.11% | 4.18% | 6.59% | 3.11% |
Viking Bank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Viking Bank, N.A., freeSource: Call Report Schedules RI and RC-K, 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)