Side-by-side · Q2 2026 data
Vidalia Federal Savings Bank vs South Georgia Bank
Metric by metric
| Measure | Vidalia Federal Savings Bank | South Georgia Bank |
|---|---|---|
| TellerScore | 64 | 81 (stronger) |
| Capital cushion | 70 (stronger) | 56 |
| Loan quality | 74 | 95 (stronger) |
| Earnings | 0 | 94 (stronger) |
| Funding & liquidity | 100 (stronger) | 81 |
| Problem-loan coverage | 94 | 98 (stronger) |
| Peer percentile | 26th | 80th |
| Total assets | $212.0M | $269.5M |
| Deposits / shares | $164.3M | $241.3M |
| Capital ratio | 12.05% (stronger) | 10.60% |
| Problem loans | 0.79% | 0.16% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.24% |
| Return on assets | -0.80% | 1.85% (stronger) |
| Loans ÷ deposits | 59.1% | 55.4% (stronger) |
| Uninsured deposits | 8.0% (stronger) | 32.4% |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.4% |
South Georgia Bank has the higher TellerScore (81 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Vidalia Federal Savings Bank leads on 3 and South Georgia Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.