BlastPoint's Banking Scorecard
Vidalia Federal Savings Bank
Micro
Specialty: Other
GA
FDIC cert 29772
Designations: ✓ Community bank ✓ Mutual
Vidalia, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
Vidalia Federal Savings Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.70% below tier
- - Net Interest Margin 2.70% below tier
- - Efficiency Ratio 93.46% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$218.8M
-4.9% YoY
-1.1% QoQ
|
+$1.3M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
56% |
| Total Loans ? |
$95.4M
+2.0% YoY
+1.7% QoQ
|
-$43.8M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
41% |
| Total Deposits ? |
$166.2M
-5.1% YoY
-1.4% QoQ
|
-$17.4M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
50% |
| Return on Assets ? |
-0.61%
+25.4% YoY
+21.2% QoQ
|
-1.70% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 3% in tier |
| Net Interest Margin ? |
1.15%
+13.5% YoY
+1.0% QoQ
|
-2.70% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
161.19%
-11.2% YoY
+0.5% QoQ
|
+93.46% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
0.61%
+92.5% YoY
+11.4% QoQ
|
-0.03% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
57.38%
+7.5% YoY
+3.1% QoQ
|
-17.14% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
11.22%
-4.4% YoY
-5.4% QoQ
|
-11.17% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 14% in tier |
| Nonperforming Asset Ratio ? |
0.27%
+106.3% YoY
+14.6% QoQ
|
-0.19% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
50% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.24%
-11.6% YoY
+41.0% QoQ
|
-0.32% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
31% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Return on Assets
metric
Bottom 3%
in Micro
Why this stands out
Current:
-0.61%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 1%
in Micro
Why this stands out
Current:
1.15%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
161.19%
(Tier avg: 67.73%, National avg: 65.09%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
79
79th pctile
Loan-to-Deposit Ratio
Current: 57.38% · Tier avg: 74.53%
56
56th pctile
Total Assets
Current: $218.8M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Nonperforming Asset Ratio
Current: 0.27% · Tier avg: 0.45%
50
50th pctile
Total Deposits
Current: $166.2M · Tier avg: $183.7M
41
41th pctile
Total Loans
Current: $95.4M · Tier avg: $139.2M
41
41th pctile
Delinquency Rate
Current: 0.61% · Tier avg: 0.64%
31
31th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.22% · Tier avg: 22.39%
3
3th pctile
Return on Assets
Current: -0.61% · Tier avg: 1.08%
0
0th pctile
Net Interest Margin
Current: 1.15% · Tier avg: 3.85%
0
0th pctile
Efficiency Ratio
Current: 161.19% · Tier avg: 67.73%
Top Weaknesses
0
0th pctile
Efficiency Ratio
Current: 161.19% · Tier avg: 67.73%
0
0th pctile
Net Interest Margin
Current: 1.15% · Tier avg: 3.85%
3
3th pctile
Return on Assets
Current: -0.61% · Tier avg: 1.08%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.22% · Tier avg: 22.39%
31
31th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
41
41th pctile
Delinquency Rate
Current: 0.61% · Tier avg: 0.64%
41
41th pctile
Total Loans
Current: $95.4M · Tier avg: $139.2M
50
50th pctile
Total Deposits
Current: $166.2M · Tier avg: $183.7M
50
50th pctile
Nonperforming Asset Ratio
Current: 0.27% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
56
56th pctile
Total Assets
Current: $218.8M · Tier avg: $217.5M
79
79th pctile
Loan-to-Deposit Ratio
Current: 57.38% · Tier avg: 74.53%