State Bank of Southern Utah: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 11.52 percentage points in Q2 2026, from 296.57% to 285.05%. It was the largest change from Q1 2026 among the key lines here. Within Utah, State Bank of Southern Utah is 29th of 44 on loan-to-deposit ratio, 80.32% as of Q2 2026, below the middle of the field. State Bank of Southern Utah reported 80.32% on loan-to-deposit ratio for Q2 2026, 7.88 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.92B |
| Net loans and leases | $1.90B |
| Loans held for sale | $139K |
| Loans to total assets | 70.27% |
| Loan-to-deposit ratio | 80.32% |
| Net loans to equity capital | 6.09% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 48.06% |
| Multifamily (5+ residential) | 5.31% |
| Commercial and industrial | 9.89% |
| Consumer | 2.13% |
| Credit cards | 0.21% |
| Farm | 2.68% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.33% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 285.05% |
| Construction concentration (Tier 1 capital + allowance) | 89.15% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $35.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.38B | $1.93B | 41.73% | 10.78% | 3.28% |
| Q4 2023 | $1.43B | $1.91B | 42.18% | 9.74% | 3.12% |
| Q1 2024 | $1.48B | $2.00B | 42.74% | 9.69% | 2.95% |
| Q2 2024 | $1.59B | $2.03B | 41.64% | 10.06% | 2.75% |
| Q3 2024 | $1.65B | $2.10B | 40.94% | 9.72% | 2.67% |
| Q4 2024 | $1.72B | $2.11B | 41.69% | 9.63% | 2.50% |
| Q1 2025 | $1.78B | $2.15B | 41.20% | 9.33% | 2.39% |
| Q2 2025 | $1.84B | $2.26B | 42.33% | 9.31% | 2.31% |
| Q3 2025 | $1.82B | $2.23B | 44.70% | 8.88% | 2.28% |
| Q4 2025 | $1.88B | $2.29B | 45.94% | 9.36% | 2.21% |
| Q1 2026 | $1.92B | $2.34B | 46.96% | 9.49% | 2.14% |
| Q2 2026 | $1.92B | $2.40B | 48.06% | 9.89% | 2.13% |
State Bank of Southern Utah loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Southern Utah, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full State Bank of Southern Utah profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17964) · FFIEC NIC profile (RSSD 656470)