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
Unfavorable gap of $4.3M · efficiency ratio beats 3% of banks under $1B in assets in GA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer 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 Margin | 1.20% | 3.66% | 4.24% | 4.75% | Beats 2% | 58 / 59 | | |
| Efficiency Ratio | 155.70% | 51.87% | 60.25% | 70.24% | Beats 3% | 58 / 59 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.79% | 0.10% | 0.36% | 0.89% | Beats 29% | 42 / 58 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.05% | Beats 76% | 15 / 58 | | |
| Capital |
| Tier 1 Capital Ratio | 12.05% | 11.93% | 15.65% | 21.05% | Beats 25% | 44 / 59 | | |
| Total Risk-Based Capital Ratio | 12.05% | 12.05% | 15.77% | 22.26% | Beats 24% | 45 / 59 | | |
| Equity / Assets | 11.88% | 9.10% | 11.51% | 14.32% | Beats 54% | 27 / 59 | | |
| Liquidity & Funding |
| Loans / Deposits | 59.62% | 59.62% | 72.81% | 85.44% | 24th pctl | 44 / 58 | | |
| Loans / Assets | 46.21% | 49.55% | 64.39% | 73.73% | 15th pctl | 50 / 59 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |