Vidalia Federal Savings Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The largest change between Q2 2026 and Q3 2026 was in Loans to total assets, which rose 0.27 percentage points to 46.48%. Within Georgia, Vidalia Federal Savings Bank is 95th of 122 on loan-to-deposit ratio, 59.79% as of Q3 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Vidalia Federal Savings Bank sits 21.04 points lower, at 59.79% (Q3 2026); the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $98.3M |
| Net loans and leases | $97.3M |
| Loans held for sale | $0 |
| Loans to total assets | 46.48% |
| Loan-to-deposit ratio | 59.79% |
| Net loans to equity capital | 3.96% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 1.34% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 0.00% |
| Consumer | 2.60% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 3.67% |
| Construction concentration (Tier 1 capital + allowance) | 0.10% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q3 2026 |
|---|---|
| Yield on loans | 5.21% |
| Interest income on loans | $1.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q4 2023 | $86.4M | $166.0M | 0.74% | 0.00% | 3.28% |
| Q1 2024 | $88.9M | $168.6M | 0.70% | 0.00% | 2.99% |
| Q2 2024 | $92.9M | $171.0M | 0.64% | 0.00% | 2.62% |
| Q3 2024 | $94.1M | $166.9M | 0.61% | 0.00% | 2.65% |
| Q4 2024 | $94.5M | $175.3M | 0.62% | 0.00% | 2.59% |
| Q1 2025 | $93.5M | $174.9M | 0.54% | 0.00% | 2.62% |
| Q2 2025 | $95.6M | $170.8M | 0.58% | 0.00% | 2.73% |
| Q3 2025 | $94.7M | $168.6M | 1.47% | 0.00% | 2.66% |
| Q4 2025 | $96.3M | $166.2M | 1.42% | 0.00% | 2.76% |
| Q1 2026 | $96.8M | $165.3M | 1.39% | 0.00% | 2.73% |
| Q2 2026 | $98.0M | $164.3M | 1.37% | 0.00% | 2.62% |
| Q3 2026 | $98.3M | $164.4M | 1.34% | 0.00% | 2.60% |
Vidalia Federal Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Vidalia Federal Savings Bank, freeSource: Call Report Schedule RC-C, 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)