BlastPoint's Banking Scorecard

Vidalia Federal Savings Bank

$100M-$1B Specialty: Other GA FDIC cert 29772

Designations: ✓ Mutual

Vidalia, GA

2 branches across GA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in GA.
Deposits -3.8% year over year ($164.3M on the books).
Delinquency rate 0.80%.
Return on assets -0.80%.
Efficiency ratio 155.70% vs a 64.48% peer average.
Loan-to-deposit ratio 59.08% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in GA

View $100M-$1B leaderboard (GA) →

Vidalia Federal Savings Bank has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.12% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 4.9% in tier
- Deposit Outflow: Bottom 32.7% in tier
- Credit Quality Pressure: Bottom 36.3% in tier
- Return on Assets 2.12% below tier average
- Net Interest Margin 2.70% below tier average
- Efficiency Ratio 91.22% above tier average

Get updates when Vidalia Federal Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$212.0M -5.5% YoY -0.8% QoQ	-$174.6M	$386.6M +1.2% YoY	$843.5M +13.2% YoY	$6.3B +7.7% YoY	29%
Total Loans ?	$97.1M +2.5% YoY +1.2% QoQ	-$161.3M	$258.3M +1.7% YoY	$581.6M +14.3% YoY	$3.2B +9.4% YoY	18%
Total Deposits ?	$164.3M -3.8% YoY -0.6% QoQ	-$162.4M	$326.7M +0.7% YoY	$711.6M +12.3% YoY	$4.9B +7.3% YoY	25%
Return on Assets ?	-0.80% +7.9% YoY -9.9% QoQ	-2.12%	1.32% +10.8% YoY	1.55% +0.3% YoY	1.30% +12.1% YoY	Bottom 1.4% in tier
Net Interest Margin ?	1.28% +15.4% YoY -0.1% QoQ	-2.70%	3.99% +5.0% YoY	4.42% +1.2% YoY	3.95% +4.9% YoY	Bottom 0.2% in tier
Efficiency Ratio ?	155.70% -7.8% YoY +3.8% QoQ	+91.22%	64.48% -3.2% YoY	63.07% +1.6% YoY	70.05% +2.5% YoY	Bottom 0.4% in tier
Delinquency Rate ?	0.80% +12.0% YoY +46.0% QoQ	-0.12%	0.92% +15.7% YoY	0.77% +14.9% YoY	0.98% +16.3% YoY	34%
Loan-to-Deposit Ratio ?	59.08% +6.5% YoY +1.8% QoQ	-18.88%	77.95% +1.0% YoY	78.13% +10.7% YoY	79.03% +2.3% YoY	84%
Non-Interest-Bearing Deposit Share ?	11.23% -0.6% YoY -1.2% QoQ	-10.80%	22.03% -0.6% YoY	26.00% -3.3% YoY	21.98% -0.6% YoY	Bottom 13.1% in tier
Nonperforming Asset Ratio ?	0.37% +21.5% YoY +49.0% QoQ	-0.30%	0.67% +16.4% YoY	0.54% +11.1% YoY	0.69% +15.8% YoY	47%
Tier 1 Capital Ratio ?	12.05% +1.6% YoY -0.1% QoQ	-3.86%	15.91% +1.4% YoY	19.50% +7.6% YoY	17.09% +0.8% YoY	36%
Non-Interest Income / Assets ?	0.13% +11.2% YoY +87.6% QoQ	-0.44%	0.57% +7.6% YoY	0.44% +3.6% YoY	0.66% +5.2% YoY	27%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Noninterest-Bearing	11.2% -0.1pp YoY -0.1pp QoQ	-10.9pp	22.1%	26.2%	22.2%	13%
Brokered Deposits	n/a	n/a	7.9%	7.5%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
C&I	n/a	n/a	11.6%	9.7%	12.5%	n/a
CRE	n/a	n/a	39.5%	48.9%	41.4%	n/a
1-4 Family	96.2% -1.4pp YoY +0.2pp QoQ	+63.6pp	32.6%	31.7%	31.3%	99%
Consumer	2.6% -0.1pp YoY -0.1pp QoQ	-1.5pp	4.1%	4.8%	5.0%	55%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	20.9%	19.7%	n/a
Leverage Ratio	12.0% +0.2pp YoY 0.0pp QoQ	-0.1pp	12.2%	14.0%	12.6%	65%
Total Capital Ratio	n/a	n/a	19.9%	22.1%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Full-Time Employees	26 -1 (-3.7%) YoY 0 QoQ	-33	58	98	482	21%
Assets per Employee ($)	$8.2M -1.9% YoY -0.8% QoQ	+$635K	$7.5M	$7.5M	$8.8M	70%
Branch Count	2 0 YoY 0 QoQ	-3	4	6	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Past Due 90+ Days	0.3%	-0.1pp	0.3%	0.1%	0.4%	71%
Nonaccrual	0.5% -0.2pp YoY 0.0pp QoQ	-0.4pp	0.9%	0.8%	1.0%	55%
Allowance Coverage	1.16x -13.2% YoY -32.3% QoQ	-22.99x	24.15x	38.10x	20.23x	31%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	37%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
ROE	-6.7% +0.7pp YoY -0.6pp QoQ	-18.9pp	12.2%	13.6%	11.6%	1%
Cost of Funds (YTD)	2.1% 0.0pp YoY 0.0pp QoQ	+0.4pp	1.7%	1.6%	1.7%	78%
Net Income ($, YTD)	$-860000.0 +13.1% YoY — QoQ	-$3.4M	$2.6M	$6.6M	$40.4M	2%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Credit Risk Growth

risk

#47 of 936 • Bottom 4.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

Deposit Outflow

decline

#176 of 535 • Bottom 32.7% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk

#457 of 1256 • Bottom 36.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.80%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

427

Loan-to-Deposit Ratio

liquidity

Value: 59.08%

Peer Median: 77.95%

#427 of 2643 Top 16.1% in $100M-$1B

Top Weaknesses (5 metrics)

2639

Net Interest Margin

profitability

Value: 1.28%

Peer Median: 3.99%

#2639 of 2643 Bottom 0.2% in $100M-$1B

2633

Efficiency Ratio

profitability

Value: 155.70%

Peer Median: 64.48%

#2633 of 2643 Bottom 0.4% in $100M-$1B

2606

Return on Assets

profitability

Value: -0.80%

Peer Median: 1.32%

#2606 of 2643 Bottom 1.4% in $100M-$1B

2299

Non-Interest-Bearing Deposit Share

funding

Value: 11.23%

Peer Median: 22.03%

#2299 of 2643 Bottom 13.1% in $100M-$1B

2173

Total Loans

size

Value: $97.06M

Peer Median: $258.35M

#2173 of 2643 Bottom 17.8% in $100M-$1B