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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