🏦Bank Scorer

VIDALIA FEDERAL SAVINGS BANK

VIDALIA, GA · Supervised by OTS

Est. 1936FDIC #29,772
Satisfactory Same

Current rating · Exam: May 2007

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.73%

Institution Profile

FDIC BankFind

Address

300 Jackson St, VIDALIA, GA

County

Toombs County

Established

September 1, 1936

Total Assets

$214M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 7, 2007

Exam Type

Small Bank

Regulator

OTS
What is a CRA rating? →
⚠️This exam is 19 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$214M

Total Deposits

$165M

Net Loans

$96M

Net Income

$-394K

ROA

-0.73%

ROE

-6.10%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$171M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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