FDIC Cert #17964 · Cedar City, Utah · Est. 1957

State Bank of Southern Utah - FDIC Bank Health Profile

A community-scale look at State Bank of Southern Utah's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$2.6B
Total assets
A
Health grade · Excellent
1.49%
Return on assets
11.8%
Tier 1 capital

Data updated July 2026

The verdict

State Bank of Southern Utah earns a PlainBankData health grade of A (80/100), with well-capitalized at 11.82% Tier 1, profitable at 1.49% ROA, efficient (50% cost ratio).

#487
largest of 4,313 FDIC banks by assets
89th
percentile by asset size, nationally
11.82%
Tier 1 ratio - above the 10% well-capitalized line
74th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 17964 · UT A · 80/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-REGIONAL · BOOK-FULL

  • GRADE-A A (80/100)
  • MID-PACK #1931/4307
  • PHOTO-FINISH Castroville State Bank · TX
  • TIER1-WELL 11.8% Tier 1
  • TEXAS-CLEAN 3.3% Texas
  • ROA-STRONG 1.49% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Utah: Castroville State Bank, TX (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around State Bank of Southern Utah

Lowest and highest poles plus nearest scored peers outside Utah, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Hays · KS · near80/100Blue Ridge Bank and… · MO · …80/100Castroville State Bank · TX …80/100First National Bank… · FL · …80/100State Bank of Southe… · UT ·…80/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around State Bank of Southern Utah · July 2026

What State Bank of Southern Utah's Call Report plate shows

State Bank of Southern Utah (FDIC Cert #17964) carries a PlainBankData health grade of A at 80/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,931 of 4,307. Tier 1 capital prints at 11.82%, clearing the 10% well-capitalized line. The Texas Ratio is 3.29%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.49%. Balance-sheet scale is $2.6B, 487th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Castroville State Bank (TX), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around State Bank of Southern Utah

8 FAILURE resolutions in Utah since 2000 (7 since 2008)

State Bank of Southern Utah's home state sits in the middle band of post-2000 FAILURE counts (8; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; State Bank of Southern Utah remains an active FDIC-insured reporter.

  • PROFICIO BANK COTTONWOOD HEIGHTS, UT 2017 → CACHE VALLEY BANK
  • SUNFIRST BANK SAINT GEORGE, UT 2011 → CACHE VALLEY BANK
  • CENTENNIAL BANK OGDEN, UT 2010

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Utah banks.

How State Bank of Southern Utah's 80/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10080/100
State Bank of Southern Utah's composite health score
Tier 1 Capital Ratio (11.82%) 28/40
Return on Assets (ROA) (1.49%) 20/25
Texas Ratio (3.29%) 20/20
Efficiency Ratio (50.15%) 12/15

80 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$2.6B

Total balance-sheet footings

Total Deposits

$2.3B

Customer-funded liabilities

Net Loans

$1.9B

Outstanding loan book

Net Income

$38M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.42% 11.82% 13.22%
Basel III capital ratios - State Bank of Southern Utah

Where State Bank of Southern Utah ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. State Bank of Southern Utah's score of 80/100 falls in the highlighted band.

State Bank of Southern Utah: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

80 Top 45% higher than 55% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. State Bank of Southern Utah 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

State Bank of Southern Utah's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). State Bank of Southern Utah's $2.6B falls in the highlighted band.

Safety ratios for State Bank of Southern Utah

Tier 1 capital ratio
Well-capitalized 10%

11.82% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.82%
Texas Ratio
3.29%
Equity Capital
$292M

What these ratios mean →

Earnings posture at State Bank of Southern Utah

Return on Assets (ROA)
74th percentile nationally
1.49%
Return on Equity (ROE)
14.38%
Efficiency Ratio
50.15%

What these mean →

Income & expense at State Bank of Southern Utah

$145M
Interest Income
$14M
Non-Interest Income
$55M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. State Bank of Southern Utah reports a Texas Ratio of 3.29% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

3.29% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View State Bank of Southern Utah on FDIC BankFind →

Top banks in Utah by total assets

Largest banks headquartered in Utah
  1. 1
    Morgan Stanley Bank $253.3B

    Salt Lake City, UT · Grade A

  2. 2
    American Express National Bank $211.3B

    Sandy, UT · Grade A

  3. 3
    Ally Bank $184.6B

    Sandy, UT · Grade A

  4. 4
    UBS Bank USA $119.3B

    Salt Lake City, UT · Grade A

  5. 5
    Synchrony Bank $112.1B

    Draper, UT · Grade A

Top 5 banks in Utah ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($2.6B here), outside Utah so the neighborhood is not state containment.

FCB Banks $2.6B · IL Lead Bank $2.6B · MO Community National Bank $2.6B · TX United Business Bank $2.6B · CA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) State Bank of Southern Utah (FDIC Cert #17964) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

State Bank of Southern Utah Call Report profile · FDIC Failed Bank List · Utah FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Utah

All Utah banks →
BankAssetsGradeROA
Morgan Stanley Bank, National AssociationSalt Lake City $253.3B A 1.86%
American Express National BankSandy $211.3B A 3.89%
Ally BankSandy $184.6B A 0.91%
UBS Bank USASalt Lake City $119.3B A 1.13%
Synchrony BankDraper $112.1B A 2.89%
Zions Bancorporation, N.A.Salt Lake City $89.0B B 1.01%
SoFi Bank, National AssociationCottonwood Heights $46.6B A 1.96%
Sallie Mae BankSalt Lake City $29.7B A 2.90%