State Bank of Southern Utah: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks State Bank of Southern Utah of Cedar City, UT against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.70% | 1.44% | +0.26% | 77th top |
| ROAE | 15.07% | 12.50% | +2.57% | 72nd above |
| Net Interest Margin | 4.18% | 3.84% | +0.34% | 78th top |
| Efficiency Ratio | 47.09% | 58.88% | -11.79% | 82nd top |
| PPNR / Avg Assets | 2.38% | 1.78% | +0.60% | 85th top |
| Yield on Earning Assets | 6.12% | 5.71% | +0.41% | 80th top |
| Cost of Funds | 2.10% | 2.03% | +0.07% | 44th below |
| Net Interest Spread | 3.36% | 3.18% | +0.18% | 68th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.46% | 0.96% | -0.50% | 61st above |
| NPA / Total Assets | 0.32% | 0.75% | -0.43% | 63rd above |
| NCO / Avg Loans | 0.51% | 0.30% | +0.21% | 9th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.22% | 1.25% | -0.03% | 62nd above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 267.46% | 699.32% | -431.86% | 66th above |
| Texas Ratio | 2.76% | 7.17% | -4.41% | 69th above |
| Provision / NCO | 74.67% | 815.51% | -740.84% | 24th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.04% | 11.59% | +0.45% | 77th top |
| Equity / Assets | 11.40% | 11.33% | +0.07% | 67th above |
| TCE / Tangible Assets | 11.37% | 10.65% | +0.72% | 76th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.32% | 86.36% | -6.04% | 70th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.06% | 85.55% | +2.51% | 47th below |
| Uninsured Deposit Ratio | 29.89% | 32.71% | -2.82% | 55th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.80% | 10.46% | -6.66% | 40th below |
| Loan Growth (Y/Y) | 4.62% | 8.00% | -3.38% | 44th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.90% | 7.98% | -2.08% | 58th above |
See State Bank of Southern Utah's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock State Bank of Southern Utah, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full State Bank of Southern Utah profile, how to read a UBPR, or how this data updates.