Total Assets
$2.6B
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$2.3B
Customer-funded liabilities
Net Loans
$1.9B
Outstanding loan book
Net Income
$38M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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 metrics
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
Profitability metrics
Return on Assets (ROA)
74th percentile nationally
1.49%
Return on Equity (ROE)
14.38%
Efficiency Ratio
50.15%
What the numbers say about State Bank of Southern Utah
State Bank of Southern Utah is an FDIC-insured institution (Certificate #17964) headquartered in Cedar City, Utah, established in 1957. It holds $2.6B in total assets - 487th of 4,313 FDIC-insured banks, $2.3B in customer deposits, and $1.9B in net loans. Looking at capital strength, Tier 1 stands at 11.82%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 3.29%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (80/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Utah, State Bank of Southern Utah ranks 22nd of 42 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$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.
Top banks in Utah by total assets
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.
Other banks in Utah
All Utah banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is State Bank of Southern Utah's health grade?▼
State Bank of Southern Utah receives a health grade of A (80/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is State Bank of Southern Utah?▼
State Bank of Southern Utah holds $2.6B in total assets and $2.3B in deposits, ranking 487th of 4,313 FDIC-insured banks by asset size. It is headquartered in Cedar City, Utah.
Is my money safe at State Bank of Southern Utah?▼
Yes, deposits at State Bank of Southern Utah (Certificate #17964) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is State Bank of Southern Utah's Tier 1 Capital Ratio?▼
State Bank of Southern Utah has a Tier 1 Capital Ratio of 11.82%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for State Bank of Southern Utah?▼
State Bank of Southern Utah has a Texas Ratio of 3.29%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is State Bank of Southern Utah?▼
State Bank of Southern Utah has an Efficiency Ratio of 50.15%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read State Bank of Southern Utah's profile as a depositor or analyst.
- State Bank of Southern Utah's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare State Bank of Southern Utah against other Utah banks before moving funds. Utah banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.