TellerScore

Headquartered in Alexandria, Minnesota, Viking Bank, National Association is a national bank with $330.3M in total assets and $283.1M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1981.

Viking Bank, National Association has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than only 43% of its 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 104th. Earnings contributes the most (89/100, 1.72%); capital cushion contributes the least (42/100, 9.19%).

TellerScore · Q2 2026

Scorecard

Capital cushion42/100
Tier 1 leverage ratio: 9.19%
Loan quality82/100
Noncurrent loans ÷ total loans: 0.53%
Earnings89/100
Return on assets (annualized): 1.72%
Funding & liquidity70/100
Loans ÷ deposits and uninsured-deposit share: 90.6% · 14.4% uninsured
Problem-loan coverage85/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 7.57%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 7 points (63 → 70), mostly because the loan quality component improved by 19 points.

TellerScore
616772Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202461
Q3 202461
Q4 202461
Q1 202561
Q2 202563
Q3 202572
Q4 202570
Q1 202670
Q2 202670
Tier 1 leverage ratio
5.00%7.25%9.51%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20249.36%
Q3 20249.37%
Q4 20248.70%
Q1 20259.40%
Q2 20259.49%
Q3 20259.51%
Q4 20258.99%
Q1 20268.98%
Q2 20269.19%
Noncurrent loans
0.22%0.73%1.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.88%
Q3 20240.97%
Q4 20240.83%
Q1 20251.23%
Q2 20251.11%
Q3 20250.31%
Q4 20250.22%
Q1 20260.30%
Q2 20260.53%
Return on assets
1.00%1.36%1.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.00%
Q3 20241.10%
Q4 20241.16%
Q1 20251.40%
Q2 20251.52%
Q3 20251.64%
Q4 20251.53%
Q1 20261.65%
Q2 20261.72%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$330.3M9.19%0.53%1.72%90.6%
Q1 202670$312.9M8.98%0.30%1.65%94.2%
Q4 202570$307.2M8.99%0.22%1.53%93.2%
Q3 202572$293.8M9.51%0.31%1.64%91.2%
Q2 202563$277.7M9.49%1.11%1.52%98.4%
Q1 202561$279.8M9.40%1.23%1.40%98.1%
Q4 202461$281.7M8.70%0.83%1.16%94.8%
Q3 202461$272.6M9.37%0.97%1.10%94.7%
Q2 202461$262.0M9.36%0.88%1.00%98.2%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.19%
15th
Total risk-based capital0.00%
24th
Problem loans0.53%
44th
Net charge-offs0.00%
57th
Return on assets1.72%
77th
Net interest margin4.16%
63rd
Efficiency ratio55.7%
70th
Loans to deposits90.6%
25th
Uninsured deposits14.4%
83rd
Loan-loss reserves1.30%
63rd
Texas ratio7.6%
25th

Similar-size banks in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
Woodlands National BankBank Hinckley, MN62 out of 100, Moderate$331.0M11.2%1.42%vs
The State Bank of FaribaultBank Faribault, MN71 out of 100, Strong$329.2M9.3%0.13%vs
Citizens Bank & Trust Co.Bank Hutchinson, MN69 out of 100, Moderate$329.0M8.6%0.26%vs
Ultima Bank MinnesotaBank Winger, MN72 out of 100, Strong$333.9M10.8%0.62%vs
Reliance BankBank Faribault, MN65 out of 100, Moderate$334.1M9.0%0.25%vs
Farmers and Merchants State Bank of PierzBank Pierz, MN69 out of 100, Moderate$336.2M9.3%1.03%vs

Deposit insurance

Is my money safe at Viking Bank, National Association?

Yes. Viking Bank, National Association is an FDIC-insured institution (FDIC certificate #32082). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 14.4% of deposits ($40.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.19%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Viking Bank, National Association lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Viking Bank, National Association
Former names
Viking Savings Association, FA; Viking Savings Bank; Viking Bank
Type
National bank
FDIC certificate #
32082
RSSD ID
484776
Primary regulator
OCC
Holding company
Viking Financial Corp
Established
April 7, 1981
Headquarters
4277 Dakota Street, Alexandria, MN 56308
Employees
44

Quick answers

Viking Bank, National Association: common questions

Is Viking Bank, National Association FDIC insured?

Yes. Viking Bank, National Association is an FDIC-insured institution (FDIC certificate #32082). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Viking Bank, National Association's TellerScore?

70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Viking Bank, National Association ever failed?

There is no failure record for FDIC certificate #32082 in the FDIC failed bank list.

How many branches does Viking Bank, National Association have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Alexandria

InstitutionScoreAssetsCapitalProblem loansCompare
Eagle BankBank Glenwood, MN89 out of 100, Very strong$226.9M14.3%0.58%vs
Kensington BankBank Kensington, MN69 out of 100, Moderate$446.7M9.9%0.58%vs
Vantage BankBank Kent, MN68 out of 100, Moderate$85.0M8.5%0.35%vs
Magnifi Financial Credit UnionCredit union Melrose, MN68 out of 100, Moderate$2.8B11.0%0.21%vs
Mid Minnesota Federal Credit UnionCredit union Baxter, MN67 out of 100, Moderate$858.0M9.3%0.43%vs
American National Bank of MinnesotaBank Baxter, MN65 out of 100, Moderate$473.2M10.8%1.00%vs