Vidalia Federal Savings Bank
Also written as VFSB
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Data as of · sourced from FFIEC call reports. How we update
Vidalia Federal Savings Bank is an FDIC-insured savings institution headquartered in Vidalia, GA, established in 1936 (FDIC certificate 29772), and it is supervised by the OCC. At Q2 2026 it reported total assets of $212.0M, down 5.5% from Q2 2025, the 86th largest of 121 banks headquartered in Georgia. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.05% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 29772
- Headquarters
- Vidalia, GA
- Established
- 1936
- Total assets, Q2 2026
- $212.0M
- Assets vs Q2 2025
- -5.5%
- Tier 1 leverage ratio, Q2 2026
- 12.05%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 261270857
- Latest call report
- Q2 2026, FFIEC 051 · Vidalia Federal Savings Bank Q3 2026 call report, filed October 6, 2026 (preliminary)
- Asset rank in state
- 86th of 121 in Georgia
Vidalia Federal Savings Bank spends more to run itself than most banks of its size. The Vidalia, Georgia bank had $212 million in assets at June 30, 2026, down 5.5% from a year earlier. It loses about $0.87 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 162 cents to bring in each dollar of revenue, 2.6 times the median of 61 cents for banks its size.
It lost $466,000 in the quarter. Paper losses on its bond portfolio are shrinking: unrealized losses of $9.4 million equal 37% of Tier 1 capital, down from 43% a year earlier. Its margin is thin by comparison: it keeps 1.29 cents of net interest income on every dollar of earning assets, about a third the median of 3.95 cents for banks its size.
As of June 30, 2026, Vidalia Federal Savings Bank reported a return on assets of -0.87%, a nonperforming-loan ratio of 0.79% and a Texas ratio of 2.98%. The figures come from its call report filed with the FFIEC.
Vidalia Federal Savings Bank ranks as the 86th largest of the 121 banks based in Georgia, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.8% to $212.0M, loans rose 1.2% and deposits fell 0.6%. 1-4 family residential loans made up 95.3% of its total loans on June 30, 2026, its largest category; next came auto loans at 1.3%. Its 2 offices in the FDIC Summary of Deposits are in Vidalia, GA and Lyons, GA; its Vidalia office books 63% of its branch deposits. Judged on its Q2 2026 call report, Vidalia Federal Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 300 Jackson St, Vidalia, GA 30474
- County
- Toombs
- Metro Area
- Vidalia, GA
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- —
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 1, 1936
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 26
- Domestic deposits
- $164.3M
- Allowance for credit losses
- $900K
- Net charge-offs (YTD)
- $2K
- Average total assets
- $213.0M
- Average total loans
- $97.5M
- Average interest-bearing deposits
- $146.4M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29772
- Fed RSSD
- 126375
- Website
- WWW.VIDFEDONLINE.COM →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Vidalia Federal Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Vidalia Federal Savings Bank's total assets ranged from $212.0M (Q2 2026) to $229.9M (Q4 2024), and it posted no profit in any of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$212.0M total assets against $224.3M; $186.8M total liabilities against $198.0M.
$97.1M net loans and leases against $94.7M; $164.3M total deposits against $170.8M.
$85.6M securities against $96.4M; $14.9M cash and balances due against $19.4M.
$1.7M total interest income against $1.7M; $1.1M total interest expense against $1.1M.
$632K net interest income against $601K.
$125K total noninterest income against $145K; $1.2M total noninterest expense against $1.2M.
$0 provision for credit losses against $0.
-$466K net income against -$504K.
-0.87% return on assets against -0.89%; 1.29% net interest margin against 1.15%.
12.05% tier 1 leverage ratio against 11.85%.
Inside the full Vidalia Federal Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses equal to more than a quarter of book equity. Because HTM is held at amortized cost, these losses are not reflected in reported capital, the dynamic that masked Silicon Valley Bank's insolvency before its March 2023 failure. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Vidalia Federal Savings Bank rankings
Its closest position to the top of a national ranking is 1,868 of 3,640, for Texas Ratio; its furthest is 3,603 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -1.33% (Q3 2024) to -0.01% (Q4 2024) and its net interest margin ran from 0.95% (Q3 2024) to 1.29% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.05% | -0.87% | 0.79% | 2.98% | 1.29% |
| Q1 2026 | 12.06% | -0.73% | 0.54% | 1.98% | 1.29% |
| Q4 2025 | 12.04% | -0.10% | 0.60% | 2.16% | 1.20% |
| Q3 2025 | 11.93% | -0.59% | 0.54% | 1.90% | 1.21% |
| Q2 2025 | 11.85% | -0.89% | 0.71% | 2.49% | 1.15% |
| Q1 2025 | 11.98% | -0.85% | 0.17% | 0.56% | 1.10% |
| Q4 2024 | 12.26% | -0.01% | 0.31% | 1.05% | 1.03% |
| Q3 2024 | 12.51% | -1.33% | 0.81% | 2.70% | 0.95% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Vidalia Federal Savings Bank (main office) | Vidalia , GA | 30474 | $104.3M |
| Lyons Branch | Lyons , GA | 30436 | $60.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 124 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Vidalia Federal Savings Bank
What are Vidalia Federal Savings Bank's total assets?
As of the Q2 2026 filing, Vidalia Federal Savings Bank reported total assets of $212.0 million in its FFIEC call report.
Where is Vidalia Federal Savings Bank headquartered?
It is headquartered in Vidalia, GA, United States.
When was Vidalia Federal Savings Bank founded?
It was established in 1936, per the FDIC institution directory.
Is Vidalia Federal Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #29772). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Vidalia Federal Savings Bank?
Vidalia Federal Savings Bank's primary federal regulator is the OCC.
How many branches does Vidalia Federal Savings Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Vidalia Federal Savings Bank's Texas Ratio?
Its Texas Ratio is 2.98% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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