Vidalia Federal Savings Bank: how it compares with its peers
Against 64 GA banks with half to twice its assets, Vidalia Federal Savings Bank's strongest measure in Q2 2026 is assets per employee ($8.2M vs. a $6.5M peer median). Its weakest relative measure is return on assets (-0.80% vs. 1.53%).
| Measure | Vidalia Federal Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -0.80% | 1.53% | Bottom third Ahead of 0% of peers |
| Net interest margin Annualized net interest income over earning assets. | 1.28% | 4.65% | Bottom third Ahead of 2% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 155.70% | 59.94% | Bottom third Ahead of 0% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.2M | $6.5M | Top third Ahead of 77% of peers |
| Loans to deposits Net loans and leases over total deposits. | 59.08% | 77.25% | Context |
What it means for lending operations
Its efficiency ratio of 155.70% is above the 59.94% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First Bank of Coastal Georgia Pembroke, GA · $216M
- Mount Vernon Bank Mount Vernon, GA · $218M
- Legacy State Bank Loganville, GA · $206M
- Citizens Community Bank Hahira, GA · $222M
- The Citizens Bank of Cochran Cochran, GA · $201M
- Magnolia State Bank Eastman, GA · $199M
Questions about Vidalia Federal Savings Bank
How big is Vidalia Federal Savings Bank?
Vidalia Federal Savings Bank, established in 1936, is headquartered in Vidalia, GA. It reported $212M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Vidalia Federal Savings Bank's return on assets?
-0.80% annualized in Q2 2026, against a 1.53% median for 64 GA banks with half to twice its assets, ahead of 0% of them.
What is Vidalia Federal Savings Bank's efficiency ratio?
155.70% in Q2 2026: it spent about 156 cents in noninterest expense for each dollar of revenue. The peer median is 59.94%, and lower is better.
Is Vidalia Federal Savings Bank growing its loans?
Net loans grew 2.5% over the year to Q2 2026, while deposits shrank 3.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are GA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Georgia bank ranked.