Headquartered in Vidalia, Georgia, Vidalia Federal Savings Bank is a savings bank with $212.0M in total assets and $164.3M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1936.
Vidalia Federal Savings Bank has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 26% of its 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 107th. Funding & liquidity contributes the most (100/100, 59% loans-to-deposits, 8% uninsured); earnings contributes the least (0/100, -0.80%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (64 → 64).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 74 |
| Q3 2024 | 65 |
| Q4 2024 | 69 |
| Q1 2025 | 69 |
| Q2 2025 | 64 |
| Q3 2025 | 66 |
| Q4 2025 | 66 |
| Q1 2026 | 66 |
| Q2 2026 | 64 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.16% |
| Q3 2024 | 12.50% |
| Q4 2024 | 12.26% |
| Q1 2025 | 11.98% |
| Q2 2025 | 11.85% |
| Q3 2025 | 11.93% |
| Q4 2025 | 12.04% |
| Q1 2026 | 12.06% |
| Q2 2026 | 12.05% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.05% |
| Q3 2024 | 0.81% |
| Q4 2024 | 0.31% |
| Q1 2025 | 0.17% |
| Q2 2025 | 0.71% |
| Q3 2025 | 0.54% |
| Q4 2025 | 0.60% |
| Q1 2026 | 0.54% |
| Q2 2026 | 0.79% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.98% |
| Q3 2024 | -1.10% |
| Q4 2024 | -0.82% |
| Q1 2025 | -0.85% |
| Q2 2025 | -0.87% |
| Q3 2025 | -0.78% |
| Q4 2025 | -0.61% |
| Q1 2026 | -0.73% |
| Q2 2026 | -0.80% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $212.0M | 12.05% | 0.79% | -0.80% | 59.1% |
| Q1 2026 | 66 | $213.6M | 12.06% | 0.54% | -0.73% | 58.0% |
| Q4 2025 | 66 | $218.8M | 12.04% | 0.60% | -0.61% | 57.4% |
| Q3 2025 | 66 | $221.3M | 11.93% | 0.54% | -0.78% | 55.6% |
| Q2 2025 | 64 | $224.3M | 11.85% | 0.71% | -0.87% | 55.5% |
| Q1 2025 | 69 | $229.0M | 11.98% | 0.17% | -0.85% | 52.9% |
| Q4 2024 | 69 | $229.9M | 12.26% | 0.31% | -0.82% | 53.4% |
| Q3 2024 | 65 | $221.3M | 12.50% | 0.81% | -1.10% | 55.8% |
| Q2 2024 | 74 | $226.2M | 13.16% | 0.05% | -0.98% | 53.9% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Georgia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Bank of Coastal GeorgiaBank Pembroke, GA | 59 out of 100, Moderate | $215.7M | 9.1% | 0.35% | vs |
| Mount Vernon BankBank Mount Vernon, GA | 71 out of 100, Strong | $217.6M | 10.3% | 0.64% | vs |
| Legacy State BankBank Loganville, GA | 75 out of 100, Strong | $205.9M | 12.1% | 0.05% | vs |
| Citizens Community BankBank Hahira, GA | 67 out of 100, Moderate | $221.9M | 8.9% | 0.89% | vs |
| The Citizens Bank of CochranBank Cochran, GA | 90 out of 100, Very strong | $201.4M | 14.8% | 0.33% | vs |
| Magnolia State BankBank Eastman, GA | 87 out of 100, Very strong | $198.7M | 15.6% | 1.21% | vs |
Deposit insurance
Is my money safe at Vidalia Federal Savings Bank?
Yes. Vidalia Federal Savings Bank is an FDIC-insured institution (FDIC certificate #29772). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 8.0% of deposits ($13.2M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.05%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
Vidalia Federal Savings Bank lists 2 offices in 2 cities. Most locations:
- Lyons, GA (1)
- Vidalia, GA (1)
Identity & history
Profile
- Legal name
- Vidalia Federal Savings Bank
- Former names
- Vidalia Federal Savings and Loan Association
- Type
- Savings bank
- FDIC certificate #
- 29772
- RSSD ID
- 126375
- Primary regulator
- OCC
- Established
- September 1, 1936
- Headquarters
- 300 Jackson St, Vidalia, GA 30474
- Website
- www.vidfedonline.com
- Employees
- 26
Quick answers
Vidalia Federal Savings Bank: common questions
Is Vidalia Federal Savings Bank FDIC insured?
Yes. Vidalia Federal Savings Bank is an FDIC-insured institution (FDIC certificate #29772). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Vidalia Federal Savings Bank's TellerScore?
64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Vidalia Federal Savings Bank ever failed?
There is no failure record for FDIC certificate #29772 in the FDIC failed bank list.
How many branches does Vidalia Federal Savings Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Vidalia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sunmark Community BankBank Perry, GA | 92 out of 100, Very strong | $556.6M | 14.6% | 0.02% | vs |
| Durden Banking Company, IncorporatedBank Twin City, GA | 92 out of 100, Very strong | $299.2M | 16.2% | 0.11% | vs |
| South Georgia BankBank Glennville, GA | 81 out of 100, Strong | $269.5M | 10.6% | 0.16% | vs |
| Georgia First BankBank Soperton, GA | 75 out of 100, Strong | $290.8M | 9.5% | 0.07% | vs |
| Pineland BankBank Alma, GA | 75 out of 100, Strong | $597.1M | 10.5% | 0.49% | vs |
| Altamaha Bank & Trust CompanyBank Vidalia, GA | 74 out of 100, Strong | $334.1M | 10.2% | 0.32% | vs |