Vidalia Federal Savings Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Cost of borrowings dropped 0.88 percentage points in Q3 2026, from 5.22% to 4.34%. It was the largest change from Q2 2026 among the key lines here. On net interest margin, Vidalia Federal Savings Bank is 1st from the bottom among 121 Georgia banks, 1.43% (Q3 2026). Against a median of 3.95% for banks in the $100M-1B asset tier, Vidalia Federal Savings Bank reported 1.43% on net interest margin in Q3 2026, 2.52 points lower; the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 3.52% |
| Yield on loans | 5.21% |
| Yield on securities | 1.22% |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 2.20% |
| Cost of interest-bearing deposits | 2.16% |
| Cost of interest-bearing liabilities | 2.44% |
| Cost of borrowings | 4.34% |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 1.43% |
| Yield to cost spread | 1.08% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $1.0M |
| Interest expense on deposits | $787K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q4 2023 | 3.03% | 1.92% | 1.25% | 4.69% | 1.17% |
| Q1 2024 | 3.07% | 2.10% | 1.11% | 4.77% | 1.21% |
| Q2 2024 | 3.16% | 2.26% | 1.04% | 4.80% | 1.31% |
| Q3 2024 | 3.24% | 2.44% | 0.95% | 4.95% | 1.21% |
| Q4 2024 | 3.28% | 2.41% | 1.03% | 5.00% | 1.25% |
| Q1 2025 | 3.26% | 2.29% | 1.10% | 5.03% | 1.23% |
| Q2 2025 | 3.28% | 2.27% | 1.15% | 5.00% | 1.24% |
| Q3 2025 | 3.36% | 2.28% | 1.21% | 5.08% | 1.26% |
| Q4 2025 | 3.36% | 2.29% | 1.20% | 5.13% | 1.26% |
| Q1 2026 | 3.42% | 2.24% | 1.29% | 5.16% | 1.30% |
| Q2 2026 | 3.45% | 2.27% | 1.29% | 5.20% | 1.29% |
| Q3 2026 | 3.52% | 2.20% | 1.43% | 5.21% | 1.22% |
Vidalia Federal Savings Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Vidalia Federal Savings Bank, freeSource: Call Report Schedules RI and RC-K, 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)