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Vidalia Federal Savings Bank

Vidalia, GA · Cert 29772

State savings bank · OCC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in GA3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in GA (n=58 to 59). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

34

Q2 2024Q2 2026peer median (50)

Asset Quality

53

Q2 2024Q2 2026peer median (50)

Profitability

2

Q2 2024Q2 2026peer median (50)

Liquidity

50

Q2 2024Q2 2026peer median

Efficiency

3

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Vidalia Federal Savings Bank

Vidalia, GA · Cert 29772

State savings bank · OCC · 2 branches

Q2 2026

$212.0MAssets
$98.0MLoans
$164.3MDeposits
$25.2MEquity
Loan mix
97%RE $93.5M0%C&I $0.0M3%Consumer $2.6MQ2 2025Q2 2026
Deposit mix
89%Interest-bearing $145.8M11%Noninterest $18.5MQ2 2025Q2 2026

NIM

2.83%Q2 ’243.04%Q2 ’253.19%Q2 ’26+7%+15%

Non-interest income vs. expense

2.26%Q2 ’242.14%Q2 ’252.26%Q2 ’26-2%+5%

Executive Summary

  • Earnings: ROA of -0.80%, up 7 bps year over year; NIM at 1.20%.
  • Asset quality: problem loans at 0.79% of loans (+9 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.05%, up 19 bps from a year ago.
  • Funding: loans stand at 59.62% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.80%+7 bps YoY

Net Interest Margin (YTD, annualized)

1.20%+15 bps YoY

Efficiency Ratio (YTD, annualized)

155.70%-1,310 bps YoY

Tier 1 Leverage Ratio

12.05%+19 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.87%-0.78%-0.61%-0.73%-0.80%+7 bps
Return on Equity-7.40%-6.62%-5.20%-6.10%-6.72%+69 bps
Net Interest Margin1.04%1.08%1.09%1.19%1.20%+15 bps
Efficiency Ratio168.80%160.31%161.19%150.06%155.70%-1,310 bps
Non-Interest Burden1.92%1.87%1.91%1.91%2.00%+9 bps
Growth
Asset Growth (YoY)-0.85%0.00%-4.85%-6.70%-5.50%-465 bps
Loan Growth (YoY)2.93%0.61%1.93%3.50%2.46%-47 bps
Deposit Growth (YoY)-0.11%1.01%-5.15%-5.49%-3.79%-368 bps
Asset Quality
Nonperforming Loans / Loans0.71%0.54%0.60%0.54%0.79%+9 bps
Net Charge-Offs / Loans0.04%0.03%0.02%0.01%0.00%-4 bps
Allowance / Loans0.94%0.95%0.94%0.93%0.92%-3 bps
Allowance Coverage of NPLs1.3x1.8x1.6x1.7x1.2x-0.2x
Capital
Tier 1 Leverage Ratio11.85%11.93%12.04%12.06%12.05%+19 bps
Total Risk-Based Capital11.85%11.93%12.04%12.06%12.05%+19 bps
Equity / Assets11.71%11.78%11.89%12.01%11.88%+16 bps
Liquidity & Funding
Loans / Deposits55.98%56.18%57.93%58.55%59.62%+364 bps
Liquid Assets / Assets49.37%48.72%47.23%46.00%44.90%-447 bps
CRE / Total Capitaln/a5.40%5.30%5.27%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Vidalia Federal Savings Bank

Vidalia, GA · Cert 29772 · Peer group: banks under $1B in assets in GA (n=58-59)

State savings bank · OCC · 2 branches

Q2 2026

$212.0MAssets
$98.0MLoans
$164.3MDeposits
$25.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 76% of banks under $1B in assets in GA (rank 15 of 58).
  • Widest gap: net interest margin trails 98% of banks under $1B in assets in GA (rank 58 of 59).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

-0.81%

Rank 58 of 59

Net Interest Margin

1.20%

Rank 58 of 59

Efficiency Ratio

155.70%

Rank 58 of 59

Equity / Assets

11.88%

Rank 27 of 59

Non-interest income vs. expense

$0.5M$4.8MINCOMEEXPENSE
Unfavorable gap of $4.3M · efficiency ratio beats 3% of banks under $1B in assets in GA
Bank 155.70%Peer median 60.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.81%0.94%1.46%1.76%Beats 2%58 / 59
Return on Equity-6.83%7.92%11.60%15.10%Beats 3%57 / 59
Net Interest Margin1.20%3.66%4.24%4.75%Beats 2%58 / 59
Efficiency Ratio155.70%51.87%60.25%70.24%Beats 3%58 / 59
Asset Quality
Nonperforming Loans / Loans0.79%0.10%0.36%0.89%Beats 29%42 / 58
Net Charge-Offs / Loans0.00%0.00%0.02%0.05%Beats 76%15 / 58
Capital
Tier 1 Capital Ratio12.05%11.93%15.65%21.05%Beats 25%44 / 59
Total Risk-Based Capital Ratio12.05%12.05%15.77%22.26%Beats 24%45 / 59
Equity / Assets11.88%9.10%11.51%14.32%Beats 54%27 / 59
Liquidity & Funding
Loans / Deposits59.62%59.62%72.81%85.44%24th pctl44 / 58
Loans / Assets46.21%49.55%64.39%73.73%15th pctl50 / 59
Brokered Deposits / Depositsn/aNot reported for this institution