Side-by-side · Q2 2026 data
First Bank of Coastal Georgia vs Vidalia Federal Savings Bank
Metric by metric
| Measure | First Bank of Coastal Georgia | Vidalia Federal Savings Bank |
|---|---|---|
| TellerScore | 59 | 64 (stronger) |
| Capital cushion | 41 | 70 (stronger) |
| Loan quality | 88 (stronger) | 74 |
| Earnings | 29 (stronger) | 0 |
| Funding & liquidity | 64 | 100 (stronger) |
| Problem-loan coverage | 96 (stronger) | 94 |
| Peer percentile | 17th | 26th |
| Total assets | $215.7M | $212.0M |
| Deposits / shares | $189.7M | $164.3M |
| Capital ratio | 9.07% | 12.05% (stronger) |
| Problem loans | 0.35% (stronger) | 0.79% |
| Net charge-offs | 0.06% | 0.00% (stronger) |
| Return on assets | 0.23% (stronger) | -0.80% |
| Loans ÷ deposits | 37.3% (stronger) | 59.1% |
| Uninsured deposits | 47.9% | 8.0% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Vidalia Federal Savings Bank has the higher TellerScore (64 vs 59). On the 7 directional measures above (where higher or lower is clearly better), First Bank of Coastal Georgia leads on 3 and Vidalia Federal Savings Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.