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Vidalia Federal Savings Bank
Vidalia, GA · FDIC Certificate #29772 · Chartered 09/0
Total assets
$211.97M
Total deposits
$164.30M
Total equity
$25.18M
Net loans
$97.06M
Branches (offices)
2
Net income (YTD)
-$860.00K
Rank: #2,903 of 4,213 U.S. banks by assets · #87 of 123 in Georgia. Assets changed -5.5% and deposits -3.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -0.80% |
| Return on equity | -6.72% |
| Net interest margin (YTD) | 1.28% |
| Equity to assets | 11.88% |
| Tier 1 leverage ratio | 12.05% |
| Uninsured deposits (share of deposits) | 8.0% |
| Noncurrent loans (share of loans) | 0.79% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 59.1% |
| Real estate loans (share of loans) | 97.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $94.76M | 97.6% | |
| Commercial & industrial | $0 | 0.0% | |
| Consumer / individual | $2.56M | 2.6% | |
| Construction & development | $31.00K | 0.0% | |
| Agricultural | $627.00K | 0.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $221.33M | $190.26M | -$243.00K | $30.12M |
| Jun 2023 | $223.41M | $177.47M | -$351.00K | $29.32M |
| Jun 2024 | $226.24M | $170.97M | -$1.07M | $27.98M |
| Jun 2025 | $224.31M | $170.78M | -$990.00K | $26.27M |
| Jun 2026 | $211.97M | $164.30M | -$860.00K | $25.18M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $164.30M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $164.30M.
Similar-sized banks
1St Advantage Bank ($211.99M) · The Community Bank ($211.78M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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