Bank · FDIC insured
Vidalia Federal Savings Bank
A $212M bank headquartered in Vidalia, GA, with 2 branches in Georgia. Best rates: CDs 3.30% and savings 0.25% APY.
Vidalia Federal Savings Bank Carrot Score
64
Carrot Score
Higher than 10% of U.S. banks and credit unions
#1 of 2 in Vidalia, GA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Vidalia Federal Savings Bank
- Headquarters
- 300 Jackson St, Vidalia, GA 30474
- FDIC certificate
- 29772 ↗
Branches
2 branches in Georgia
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Georgia
2 branches
- Vidalia Federal Savings BankMain office300 Jackson St, Vidalia, GA 30474Directions
- Lyons Branch209 W Liberty Ave, Lyons, GA 30436Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 12.05% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.79% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | -0.80% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $60 | $81 | — |
- CapitalLeverage ratio12.05%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.79%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets-0.80%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$60Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Vidalia Federal Savings Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.