Vidalia Federal Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 43.89 percentage points in Q3 2026, from 169.17% to 125.29%. It was the largest change from Q2 2026 among the key lines here. On return on assets, Vidalia Federal Savings Bank is 1st from the bottom among 121 Georgia banks, -1.09% (Q3 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Vidalia Federal Savings Bank reported -1.09% on return on assets in Q3 2026, 2.34 points lower; the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.85% |
| Equity capital to assets | 11.62% |
| Tangible equity to tangible assets | 11.62% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 0.80% |
| Non-performing assets ratio | 0.57% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 6.50% |
| Allowance for credit losses to loans | 1.00% |
| Reserve coverage of non-performing loans | 125.29% |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | -1.09% |
| Return on equity | -9.25% |
| Net interest margin | 1.43% |
| Efficiency ratio | 158.88% |
| Yield on earning assets | 3.52% |
| Cost of funds | 2.20% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 59.79% |
| Core deposits to total deposits | 86.37% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 77.74% |
| Securities to assets | 40.43% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q4 2023 | 13.88% | -0.25% | 1.25% | 0.10% | 0.00% |
| Q1 2024 | 13.66% | -0.92% | 1.11% | 0.00% | 0.22% |
| Q2 2024 | 13.16% | -1.06% | 1.04% | 0.00% | 0.05% |
| Q3 2024 | 12.51% | -1.33% | 0.95% | 0.01% | 0.00% |
| Q4 2024 | 12.26% | -0.01% | 1.03% | 0.00% | 0.03% |
| Q1 2025 | 11.98% | -0.85% | 1.10% | 0.00% | 0.00% |
| Q2 2025 | 11.85% | -0.89% | 1.15% | 0.71% | 0.08% |
| Q3 2025 | 11.93% | -0.59% | 1.21% | 0.54% | 0.01% |
| Q4 2025 | 12.04% | -0.10% | 1.20% | 0.54% | 0.00% |
| Q1 2026 | 12.06% | -0.73% | 1.29% | 0.54% | 0.01% |
| Q2 2026 | 12.05% | -0.87% | 1.29% | 0.54% | 0.00% |
| Q3 2026 | 11.85% | -1.09% | 1.43% | 0.80% | -0.01% |
Vidalia Federal Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Vidalia Federal Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)