State Bank of Southern Utah
Cedar City, UT · Cert 17964 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Southern Utah Bcorp
State charter, non-member · FDIC · 17 branches
Q2 2026
$2.7BAssets
$1.9BLoans
$2.4BDeposits
$312.2MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 88% of banks $1B-$10B in assets operating in a single state (rank 32 of 257).
- Widest gap: net charge-offs / loans trails 83% of banks $1B-$10B in assets operating in a single state (rank 216 of 258).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.72%
Rank 35 of 258
Net Interest Margin
3.88%
Rank 66 of 258
Efficiency Ratio
46.13%
Rank 32 of 257
Equity / Assets
11.40%
Rank 80 of 258
Non-interest income vs. expense
Unfavorable gap of $39.1M · efficiency ratio beats 88% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.72% | 0.93% | 1.23% | 1.54% | Beats 86% | 35 / 258 | |
| Return on Equity | 15.07% | 9.26% | 11.84% | 14.74% | Beats 76% | 62 / 258 | |
| Net Interest Margin | 3.88% | 3.16% | 3.49% | 3.88% | Beats 74% | 66 / 258 | |
| Efficiency Ratio | 46.13% | 51.71% | 60.30% | 69.65% | Beats 88% | 32 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.47% | 0.19% | 0.46% | 0.90% | Beats 48% | 136 / 258 | |
| Net Charge-Offs / Loans | 0.14% | 0.01% | 0.02% | 0.07% | Beats 17% | 216 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 12.04% | 11.41% | 12.98% | 15.12% | Beats 34% | 170 / 258 | |
| Total Risk-Based Capital Ratio | 12.04% | 12.10% | 13.91% | 16.08% | Beats 24% | 197 / 258 | |
| Equity / Assets | 11.40% | 9.09% | 10.24% | 11.72% | Beats 69% | 80 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 80.32% | 73.24% | 86.34% | 95.95% | 38th pctl | 161 / 258 | |
| Loans / Assets | 70.27% | 63.01% | 72.27% | 78.40% | 42nd pctl | 149 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |