FDIC Cert #32082 · Alexandria, Minnesota · Est. 1981

VIKING BANK, NATIONAL ASSOCIATION - FDIC Bank Health Profile

A community-scale look at VIKING BANK, NATIONAL ASSOCIATION's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$307M
Total assets
B
Health grade · Good
1.53%
Return on assets
9.0%
Tier 1 capital

Data updated July 2026

The verdict

VIKING BANK, NATIONAL ASSOCIATION earns a PlainBankData health grade of B (75/100), with 8.99% Tier 1 capital, profitable at 1.53% ROA, efficient (59% cost ratio).

#2,453
largest of 4,313 FDIC banks by assets
43rd
percentile by asset size, nationally
8.99%
Tier 1 ratio - below the 10% well-capitalized line
75th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 32082 · MN B · 75/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-B B (75/100)
  • MID-PACK #2568/4307
  • PHOTO-FINISH Gulf Coast Bank and… · LA
  • TIER1-ADEQ 9.0% Tier 1
  • TEXAS-CLEAN 1.4% Texas
  • ROA-STRONG 1.53% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Minnesota: Gulf Coast Bank and Trust Company, LA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around VIKING BANK

Lowest and highest poles plus nearest scored peers outside Minnesota, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Century Bank of Kent… · KY ·…75/100Delta Bank · LA · near75/100First Financial Bank · AR · …75/100Gulf Coast Bank and… · LA · …75/100VIKING BANK, NATIONA… · MN ·…75/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around VIKING BANK · July 2026

Call Report read for VIKING BANK in a high-failure state

VIKING BANK, NATIONAL ASSOCIATION (FDIC Cert #32082) carries a PlainBankData health grade of B at 75/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,568 of 4,307. Tier 1 capital prints at 8.99%, missing the 10% well-capitalized line. The Texas Ratio is 1.39%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.53%. Balance-sheet scale is $307M, 2,453rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Gulf Coast Bank and Trust Company (LA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around VIKING BANK

24 FAILURE resolutions in Minnesota since 2000, heavy vs the state corpus

VIKING BANK, NATIONAL ASSOCIATION sits in one of the heavier post-2000 FAILURE states (24 resolutions; latest year 2014). The list below is state history from the Failed Bank List, not a claim about VIKING BANK, NATIONAL ASSOCIATION's current Call Report.

  • NORTHERN STAR BANK MANKATO, MN 2014 → BANKVISTA
  • 1ST REGENTS BANK ANDOVER, MN 2013 → FIRST MINNESOTA BANK
  • FIRST COMMERCIAL BANK BLOOMINGTON, MN 2012 → REPUBLIC BANK & TRUST COMPANY

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Minnesota banks.

How VIKING BANK, NATIONAL ASSOCIATION's 75/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10075/100
VIKING BANK, NATIONAL ASSOCIATION's composite health score
Tier 1 Capital Ratio (8.99%) 18/40
Return on Assets (ROA) (1.53%) 25/25
Texas Ratio (1.39%) 20/20
Efficiency Ratio (58.93%) 12/15

75 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$307M

Total balance-sheet footings

Total Deposits

$261M

Customer-funded liabilities

Net Loans

$244M

Outstanding loan book

Net Income

$4M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 7.59% 8.99% 10.39%
Basel III capital ratios - VIKING BANK, NATIONAL ASSOCIATION

Where VIKING BANK, NATIONAL ASSOCIATION ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. VIKING BANK, NATIONAL ASSOCIATION's score of 75/100 falls in the highlighted band.

VIKING BANK, NATIONAL ASSOCIATION: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

75 40th percentile higher than 40% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. VIKING BANK 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

VIKING BANK, NATIONAL ASSOCIATION's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). VIKING BANK, NATIONAL ASSOCIATION's $307M falls in the highlighted band.

Capital & credit buffers at VIKING BANK

Tier 1 capital ratio
Well-capitalized 10%

8.99% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
8.99%
Texas Ratio
1.39%
Equity Capital
$37M

What these ratios mean →

Earnings posture at VIKING BANK

Return on Assets (ROA)
75th percentile nationally
1.53%
Return on Equity (ROE)
12.30%
Efficiency Ratio
58.93%

What these mean →

Income & expense at VIKING BANK

$16M
Interest Income
$2M
Non-Interest Income
$7M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. VIKING BANK, NATIONAL ASSOCIATION reports a Texas Ratio of 1.39% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.39% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View VIKING BANK, NATIONAL ASSOCIATION on FDIC BankFind →

Top banks in Minnesota by total assets

Largest banks headquartered in Minnesota
  1. 1
    Ameriprise Bank, FSB $25.3B

    Minneapolis, MN · Grade A

  2. 2
    Bridgewater Bank $5.4B

    Saint Louis Park, MN · Grade A

  3. 3
    Frandsen Bank & Trust $3.7B

    Lonsdale, MN · Grade A

  4. 4
    Stearns Bank $3.3B

    Saint Cloud, MN · Grade A

  5. 5
    Minnwest Bank $3.0B

    Redwood Falls, MN · Grade B

Top 5 banks in Minnesota ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($307M here), outside Minnesota so the neighborhood is not state containment.

Guaranty Bank and Trust Company $307M · LA 1NB Bank $307M · IL Pinnacle Bank $307M · IA Bank of Yazoo City $308M · MS

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) VIKING BANK, NATIONAL ASSOCIATION (FDIC Cert #32082) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

VIKING BANK, NATIONAL ASSOCIATION Call Report profile · FDIC Failed Bank List · Minnesota FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Minnesota

All Minnesota banks →
BankAssetsGradeROA
Ameriprise Bank, FSBMinneapolis $25.3B A 3.08%
Bridgewater BankSaint Louis Park $5.4B A 0.99%
Frandsen Bank & TrustLonsdale $3.7B A 1.48%
Stearns Bank National AssociationSaint Cloud $3.3B A 1.85%
Minnwest BankRedwood Falls $3.0B B 0.92%
Merchants Bank, National AssociationWinona $2.9B A 1.23%
Tradition Capital BankWayzata $2.6B B 0.71%
Think Mutual BankRochester $2.2B B 0.61%