Side-by-side · Q2 2026 data
Vidalia Federal Savings Bank vs Legacy State Bank
Metric by metric
| Measure | Vidalia Federal Savings Bank | Legacy State Bank |
|---|---|---|
| TellerScore | 64 | 75 (stronger) |
| Capital cushion | 70 | 71 (stronger) |
| Loan quality | 74 | 98 (stronger) |
| Earnings | 0 | 64 (stronger) |
| Funding & liquidity | 100 (stronger) | 45 |
| Problem-loan coverage | 94 | 99 (stronger) |
| Peer percentile | 26th | 61st |
| Total assets | $212.0M | $205.9M |
| Deposits / shares | $164.3M | $180.3M |
| Capital ratio | 12.05% | 12.05% (stronger) |
| Problem loans | 0.79% | 0.05% (stronger) |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | -0.80% | 1.11% (stronger) |
| Loans ÷ deposits | 59.1% (stronger) | 85.2% |
| Uninsured deposits | 8.0% (stronger) | 42.7% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Legacy State Bank has the higher TellerScore (75 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Vidalia Federal Savings Bank leads on 2 and Legacy State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.