Bank Comparison
State Bank of Southern Utah vs Georgia Banking Company
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
16 · 5
winning metrics across 21 comparable rows
Capital adequacy
| Metric | State Bank of Southern Utah | Georgia Banking Company |
|---|---|---|
| CET1 Ratio | — | 11.54% |
| Tier 1 Capital Ratio | — | 11.54% |
| Total Capital Ratio | — | 12.74% |
| Tier 1 Leverage Ratio | 12.03% | 10.15% |
| Equity / Assets | 11.30% | 9.94% |
Profitability
| Metric | State Bank of Southern Utah | Georgia Banking Company |
|---|---|---|
| Return on Assets (ROA) | 1.82% | 1.32% |
| Return on Equity (ROE) | 16.11% | 12.83% |
| Net Interest Margin (NIM) | 4.21% | 4.51% |
| Yield on Earning Assets | 6.06% | 6.58% |
| Cost of Funds | 1.99% | 2.16% |
Asset quality
| Metric | State Bank of Southern Utah | Georgia Banking Company |
|---|---|---|
| Texas Ratio | 3.29% | 6.39% |
| Non-Performing Loan Ratio | 0.54% | 0.76% |
| Non-Performing Asset Ratio | 0.39% | 0.65% |
| Net Charge-Off Ratio | 0.01% | 0.18% |
| ACL / Loans | 1.30% | 1.08% |
Balance sheet
| Metric | State Bank of Southern Utah | Georgia Banking Company |
|---|---|---|
| Total Assets | $2,669M | $2,675M |
| Total Deposits | $2,341M | $2,244M |
| Total Loans | $1,915M | $2,279M |
| Total Equity | $301,522K | $266,039K |
| Net Income (quarter) | $11,958K | $8,405K |
Liquidity & funding
| Metric | State Bank of Southern Utah | Georgia Banking Company |
|---|---|---|
| Loan-to-Deposit Ratio | 81.82% | 101.57% |
| Core Deposit Ratio | 87.82% | 90.50% |
| Uninsured Deposit Ratio | 27.81% | 46.87% |
Identity
| Metric | State Bank of Southern Utah | Georgia Banking Company |
|---|---|---|
| Headquarters City | CEDAR CITY | ATLANTA |
| Headquarters State | UT | GA |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 17 | 9 |
| Employees (FTE) | 302 | 240 |
| Established | Nov. 25, 1957, midnight | Nov. 1, 2001, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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