VIDALIA FEDERAL SAVINGS BANK

VIDALIA, GA | Small | Est. Sept. 1, 1936, midnight | FDIC #29772 | RSSD #126375 | OCC
Latest Report: 2025-12-31

VIDALIA FEDERAL SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in VIDALIA, GA, established in Sept. 1, 1936, midnight. As of 2025-12-31, the bank reported total assets of $219M and total deposits of $166M. Profitability stands at -0.10% ROA and -0.88% ROE, with a net interest margin of 1.20%. The bank's CET1 capital ratio is 11.89%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.54% and a Texas Ratio of 1.94%. FDIC Certificate #29772.

Assets

$219M

Deposits

$166M

Loans

$96M

Equity

$26M

Profitability

Return on Assets (ROA) -0.10%
Return on Equity (ROE) -0.88%
Net Interest Margin (NIM) 1.20%
Yield on Assets 3.37%
Cost of Funds 2.29%

Asset Quality

NPL Ratio 0.54%
Net Charge-Off Ratio 0.02%
Texas Ratio 1.94%
NPA Ratio 0.24%
ACL / Loans 0.94%

Capital & Liquidity

CET1 Ratio 11.89%
Tier 1 Capital 11.89%
Total Capital Ratio 12.48%
Leverage Ratio 12.04%
Loan-to-Deposit 57.93%

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