Vidalia Federal Savings Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Compared with Q2 2026, Cash and balances due from depository institutions fell 5.7% in Q3 2026 to $14.1M, the biggest move on this page. Vidalia Federal Savings Bank ranks 95th of 122 Georgia banks on loan-to-deposit ratio, in the lower half at 59.79% (Q3 2026). Vidalia Federal Savings Bank reported 59.79% on loan-to-deposit ratio for Q3 2026, 21.04 points below the 80.84% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $99.6M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $21.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.93% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 59.79% |
| Net loans and leases to deposits | 59.20% |
| Loans and leases to core deposits | 69.23% |
| Core deposits to total deposits | 86.37% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q4 2023 | 52.02% | 87.19% | $0 | $15.0M |
| Q1 2024 | 52.73% | 86.98% | $0 | $15.0M |
| Q2 2024 | 54.32% | 88.34% | $0 | $25.0M |
| Q3 2024 | 56.40% | 88.03% | $0 | $25.0M |
| Q4 2024 | 53.91% | 88.37% | $0 | $25.0M |
| Q1 2025 | 53.47% | 87.43% | $0 | $25.0M |
| Q2 2025 | 55.98% | 86.60% | $0 | $25.0M |
| Q3 2025 | 56.18% | 85.99% | $0 | $25.0M |
| Q4 2025 | 57.93% | 86.81% | $0 | $25.0M |
| Q1 2026 | 58.55% | 86.74% | $0 | $21.0M |
| Q2 2026 | 59.62% | 85.95% | $0 | $21.0M |
| Q3 2026 | 59.79% | 86.37% | $0 | $21.0M |
Vidalia Federal Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Vidalia Federal Savings Bank, freeSource: Call Report Schedules RC and RC-M, 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)