BlastPoint's Banking Scorecard
Vidalia Federal Savings Bank
Designations: ✓ Mutual
Vidalia, GA
2 branches across GA
Vidalia Federal Savings Bank has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.34% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 20.4% in tier
- - Credit Risk Growth: Bottom 28.0% in tier
- - Credit Quality Pressure: Bottom 48.7% in tier
- - Return on Assets 2.00% below tier average
- - Net Interest Margin 2.65% below tier average
- - Efficiency Ratio 84.78% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$213.6M
-6.7% YoY
-2.4% QoQ
|
-$172.5M |
$386.1M
+0.5% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.1% YoY
|
30% |
| Total Loans ? |
$95.9M
+3.6% YoY
+0.5% QoQ
|
-$159.8M |
$255.7M
+1.1% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.8% YoY
|
18% |
| Total Deposits ? |
$165.3M
-5.5% YoY
-0.5% QoQ
|
-$162.6M |
$328.0M
+0.1% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.2% YoY
|
25% |
| Return on Assets ? |
-0.73%
+14.0% YoY
-19.0% QoQ
|
-2.00% |
1.27%
+12.9% YoY
|
1.50%
+0.6% YoY
|
1.23%
+13.4% YoY
|
Bottom 1.4% in tier |
| Net Interest Margin ? |
1.28%
+18.3% YoY
+11.3% QoQ
|
-2.65% |
3.93%
+6.0% YoY
|
4.36%
+2.3% YoY
|
3.89%
+5.7% YoY
|
Bottom 0.2% in tier |
| Efficiency Ratio ? |
150.06%
-11.8% YoY
-6.9% QoQ
|
+84.78% |
65.29%
-4.5% YoY
|
62.13%
-1.5% YoY
|
66.95%
-4.1% YoY
|
Bottom 0.4% in tier |
| Delinquency Rate ? |
0.55%
+225.0% YoY
-10.1% QoQ
|
-0.34% |
0.89%
+18.8% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
58.01%
+9.6% YoY
+1.1% QoQ
|
-18.63% |
76.64%
+0.8% YoY
|
71.10%
+2.8% YoY
|
76.70%
+0.9% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
11.37%
-1.2% YoY
+1.3% QoQ
|
-10.65% |
22.02%
-1.0% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.2% YoY
|
Bottom 13.6% in tier |
| Nonperforming Asset Ratio ? |
0.25%
+260.7% YoY
-7.5% QoQ
|
-0.39% |
0.64%
+19.7% YoY
|
0.56%
+24.4% YoY
|
0.67%
+19.3% YoY
|
55% |
| Tier 1 Capital Ratio ? |
12.06%
+0.7% YoY
+0.2% QoQ
|
-3.77% |
15.83%
+1.5% YoY
|
17.30%
-0.8% YoY
|
17.06%
+0.8% YoY
|
36% |
| Non-Interest Income / Assets ? |
0.07%
+38.8% YoY
-72.2% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.1% YoY
|
31% |
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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 (0)
Concerns (3)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.