Vidalia Federal Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Vidalia Federal Savings Bank of Vidalia, GA against its peer group of 2672 similarly-sized US banks as of Q3 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -1.09% | 1.25% | -2.34% | 0th bottom |
| ROAE | -9.25% | 13.24% | -22.49% | 0th bottom |
| Net Interest Margin | 1.43% | 3.95% | -2.52% | 0th bottom |
| Efficiency Ratio | 158.88% | 61.22% | +97.66% | 0th bottom |
| PPNR / Avg Assets | -0.93% | — | — | 0th bottom |
| Yield on Earning Assets | 3.52% | 5.68% | -2.16% | 0th bottom |
| Cost of Funds | 2.20% | 1.88% | +0.32% | 18th bottom |
| Net Interest Spread | 1.08% | — | — | 0th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.80% | 0.94% | -0.14% | 28th below |
| NPA / Total Assets | 0.57% | — | — | 26th below |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 80th top |
| ACL / Total Loans | 1.00% | — | — | 21st bottom |
| ACL / NPLs (Coverage) | 125.29% | — | — | 28th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.50% | 7.40% | -0.90% | 21st bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.85% | 11.73% | +0.12% | 52nd above |
| Equity / Assets | 11.62% | 10.96% | +0.66% | 62nd above |
| TCE / Tangible Assets | 11.62% | — | — | 66th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 59.79% | 80.60% | -20.81% | 72nd above |
| Core Deposit Ratio | 86.37% | 86.92% | -0.55% | 26th below |
| Wholesale Funding Ratio | 9.93% | — | — | 21st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -4.45% | — | — | 7th bottom |
| Loan Growth (Y/Y) | 3.79% | — | — | 39th below |
| Deposit Growth (Y/Y) | -2.49% | — | — | 13th bottom |
See Vidalia Federal Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Vidalia Federal Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Vidalia Federal Savings Bank profile, how to read a UBPR, or how this data updates.