STATE BANK OF SOUTHERN UTAH

CEDAR CITY, UT | Large | Est. Nov. 25, 1957, midnight | FDIC #17964 | RSSD #656470 | FDIC
Latest Report: 2025-12-31

STATE BANK OF SOUTHERN UTAH is aln large FDIC-insured commercial bank headquartered in CEDAR CITY, UT, established in Nov. 25, 1957, midnight. As of 2025-12-31, the bank reported total assets of $2.6B and total deposits of $2.3B. Profitability stands at 1.47% ROA and 13.19% ROE, with a net interest margin of 4.54%. The bank's CET1 capital ratio is 11.00%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.53% and a Texas Ratio of 3.34%. FDIC Certificate #17964.

Assets

$2.6B

Deposits

$2.3B

Loans

$1.9B

Equity

$292M

Profitability

Return on Assets (ROA) 1.47%
Return on Equity (ROE) 13.19%
Net Interest Margin (NIM) 4.54%
Yield on Assets 6.48%
Cost of Funds 3.09%

Asset Quality

NPL Ratio 0.53%
Net Charge-Off Ratio 0.01%
Texas Ratio 3.34%
NPA Ratio 0.41%
ACL / Loans 1.28%

Capital & Liquidity

CET1 Ratio 11.00%
Tier 1 Capital 11.00%
Total Capital Ratio 11.55%
Leverage Ratio 11.82%
Loan-to-Deposit 82.35%

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