Vidalia Federal Savings Bank: Deposit Base
Data as of · Call Report Schedules RC-E and RC-O How we update
How the bank is funded. Core deposits are the stable, mostly-insured relationship money; brokered and uninsured balances are the fastest to leave. The 2023 regional bank failures were runs on uninsured deposits, which is why that share now gets read first.
Time deposits $100k to $250k rose 4.2% from Q2 2026 to Q3 2026, ending at $31.4M against $30.1M. It was the largest change among the key lines on this page. Within Georgia, Vidalia Federal Savings Bank is 90th of 122 on total deposits, $164.4M as of Q3 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is $277.3M on total deposits. Vidalia Federal Savings Bank sits 41% lower, at $164.4M (Q3 2026); the peer median is as of Q2 2026.
Deposit totals
| Line item | Q3 2026 |
|---|---|
| Total deposits | $164.4M |
| Domestic office deposits | $164.4M |
| Foreign office deposits | — |
| Deposits to total assets | 77.74% |
| Deposits to total liabilities | 87.96% |
Deposit composition
| Line item | Q3 2026 |
|---|---|
| Demand deposits | $19.1M |
| Savings deposits | $35.3M |
| Transaction accounts to domestic deposits | 27.11% |
| Time deposits | $51K |
| Time deposits under $100k | $30.7M |
| Time deposits $100k to $250k | $31.4M |
| Time deposits over $250k | $22.4M |
| Noninterest-bearing share of deposits | 11.59% |
Stability of funding
| Line item | Q3 2026 |
|---|---|
| Core deposits | $142.0M |
| Core deposits to total deposits | 86.37% |
| Insured deposits | — |
| Uninsured deposits | — |
| Uninsured deposits to total deposits | — |
| Brokered deposits | $0 |
| Brokered deposits to total deposits | 0.00% |
Cost of deposits
| Line item | Q3 2026 |
|---|---|
| Cost of interest-bearing deposits | 2.16% |
| Interest expense on deposits | $787K |
| Loans and leases to core deposits | 69.23% |
Deposit Base trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|
| Q4 2023 | $166.0M | 87.19% | 0.00% | 1.91% |
| Q1 2024 | $168.6M | 86.98% | 0.00% | 2.13% |
| Q2 2024 | $171.0M | 88.34% | 0.00% | 2.28% |
| Q3 2024 | $166.9M | 88.03% | 0.00% | 2.40% |
| Q4 2024 | $175.3M | 88.37% | 0.00% | 2.38% |
| Q1 2025 | $174.9M | 87.43% | 0.00% | 2.24% |
| Q2 2025 | $170.8M | 86.60% | 0.00% | 2.20% |
| Q3 2025 | $168.6M | 85.99% | 0.00% | 2.23% |
| Q4 2025 | $166.2M | 86.81% | 0.00% | 2.22% |
| Q1 2026 | $165.3M | 86.74% | 0.00% | 2.15% |
| Q2 2026 | $164.3M | 85.95% | 0.00% | 2.15% |
| Q3 2026 | $164.4M | 86.37% | 0.00% | 2.16% |
Vidalia Federal Savings Bank deposit base, all the way back
Deposit Base back to 2001 · peer percentiles on every line item · Excel export
Unlock Vidalia Federal Savings Bank, freeSource: Call Report Schedules RC-E and RC-O, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Vidalia Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29772) · FFIEC NIC profile (RSSD 126375)