Vidalia Federal Savings Bank
Vidalia, GA
IDRSSD: 126375
Total Assets
$218.79M
Latest filing
Total Deposits
$166.23M
Latest filing
Net Interest Margin
1.19%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Vidalia Federal Savings Bank
300 Jackson St
Vidalia, GA 30474
Full Service - Brick and Mortar
Updated 01/30/2026Established 09/01/1936FDIC Certificate 42606
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Vidalia Federal Savings Bank (Main) | 300 Jackson St | Vidalia, GA |
| LYONS BRANCH | 209 W Liberty Ave | Lyons, GA |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 09/01/1936 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 30474 |
| State and County Number | 13279 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 34 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Vidalia, GA |
Operational Info
| Number of Employees | 27 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | WWW.VIDFEDONLINE.COM |
| Data Updated | 01/30/2026 |
| CERT | 29772 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $218.79M |
| Total Deposits | $166.23M |
| Total Liabilities | $192.78M |
| Total Equity Capital | $26.01M |
| Net Income | $-57,000 |
| Net Loans and Leases | $95.39M |
| Assets Per Employee ($Millions) | $8.41M |
| Bank Premises and Fixed Assets | $1.01M |
| Cash and Balances due from Depository Institutions | $17.34M |
| Deposits Held in Domestic Offices | $166.23M |
Key Performance Ratios
| Return on Assets (ROA) | -0.1% |
| Return on Equity (ROE) | -0.88% |
| Net Interest Margin | 1.19% |
| Efficiency Ratio | 163.72% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.887% |
| Earning Assets to total Assets | 92.41% |
Income and Expense
| Total Interest Income | $1.71M |
| Total Noninterest Income | $151.00k |
| Total Interest Expense | $1.10M |
| Total Noninterest Expense | $1.24M |
| Net Interest Income | $607.00k |
| Pre-tax Net Operating Income | $-483,000 |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $25.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.54M |
| Total Liabilities and Capital | $218.79M |
Securities
| Securities | $91.78M |
| Available-for-sale debt securities | $3.46M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $88.32M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Vidalia Federal Savings Bank?
$218.79M as of the latest filing.
How much are Vidalia Federal Savings Bank's total deposits?
$166.23M in total deposits.
Where is Vidalia Federal Savings Bank located?
Vidalia, GA.
What is the Net Interest Margin?
1.19%.
How many domestic offices does it operate?
2.
When was it established?
09/01/1936.
What is the Return on Assets (ROA)?
-0.1%.
How much are total loans and leases?
$95.39M (latest filing).
What is the total interest income (latest filing)?
$1.71M.