Side-by-side · Q2 2026 data
Magnolia State Bank vs Vidalia Federal Savings Bank
Metric by metric
| Measure | Magnolia State Bank | Vidalia Federal Savings Bank |
|---|---|---|
| TellerScore | 87 (stronger) | 64 |
| Capital cushion | 100 (stronger) | 70 |
| Loan quality | 60 | 74 (stronger) |
| Earnings | 99 (stronger) | 0 |
| Funding & liquidity | 85 | 100 (stronger) |
| Problem-loan coverage | 91 | 94 (stronger) |
| Peer percentile | 91st | 26th |
| Total assets | $198.7M | $212.0M |
| Deposits / shares | $167.2M | $164.3M |
| Capital ratio | 15.65% (stronger) | 12.05% |
| Problem loans | 1.21% | 0.79% (stronger) |
| Net charge-offs | -0.06% (stronger) | 0.00% |
| Return on assets | 1.98% (stronger) | -0.80% |
| Loans ÷ deposits | 64.2% | 59.1% (stronger) |
| Uninsured deposits | 25.0% | 8.0% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.8% | — |
Magnolia State Bank has the higher TellerScore (87 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Magnolia State Bank leads on 4 and Vidalia Federal Savings Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.