State Bank of Southern Utah
Cedar City, UT
IDRSSD: 656470
Total Assets
$2.60B
Latest filing
Total Deposits
$2.29B
Latest filing
Net Interest Margin
4.46%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
State Bank of Southern Utah
377 N Main St
Cedar City, UT 84721
Full Service - Brick and Mortar
Updated 01/30/2026Established 11/25/1957FDIC Certificate 11897
Branches (16)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| State Bank of Southern Utah (Main) | 377 N Main St | Cedar City, UT |
| RICHFIELD BRANCH | 14 S Main St | Richfield, UT |
| ORDERVILLE BRANCH | 55 East State Street | Orderville, UT |
| KANAB BRANCH | 99 West Center Street | Kanab, UT |
| CIRCLEVILLE BRANCH | 125 W Main St | Circleville, UT |
| PAROWAN BRANCH | 93 N Main St | Parowan, UT |
| ST. GEORGE BRANCH | 395 E Saint George Blvd | St. George, UT |
| SANTA CLARA BRANCH | 2287 Santa Clara Dr | Santa Clara, UT |
Showing 7 of 16
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 11/25/1957 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 84721 |
| State and County Number | 49021 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 12 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | Cedar City, UT |
Operational Info
| Number of Employees | 296 |
| Domestic Offices | 17 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 02/02/1959 |
| Primary Insurance Agency | DIF |
| Website | http://www.sbsu.com |
| Data Updated | 01/30/2026 |
| CERT | 17964 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.60B |
| Total Deposits | $2.29B |
| Total Liabilities | $2.31B |
| Total Equity Capital | $292.15M |
| Net Income | $9.43M |
| Net Loans and Leases | $1.86B |
| Assets Per Employee ($Millions) | $8.73M |
| Bank Premises and Fixed Assets | $53.11M |
| Cash and Balances due from Depository Institutions | $121.28M |
| Deposits Held in Domestic Offices | $2.29B |
Key Performance Ratios
| Return on Assets (ROA) | 1.47% |
| Return on Equity (ROE) | 13.19% |
| Net Interest Margin | 4.46% |
| Efficiency Ratio | 52.02% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.34% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.233% |
| Earning Assets to total Assets | 93.65% |
Income and Expense
| Total Interest Income | $38.28M |
| Total Noninterest Income | $3.58M |
| Total Interest Expense | $11.47M |
| Total Noninterest Expense | $15.89M |
| Net Interest Income | $26.81M |
| Pre-tax Net Operating Income | $12.29M |
| Provision for Credit Losses | $2.20M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $532.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $416.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $22.84M |
| Total Liabilities and Capital | $2.60B |
Securities
| Securities | $480.10M |
| Available-for-sale debt securities | $480.10M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of State Bank of Southern Utah?
$2.60B as of the latest filing.
How much are State Bank of Southern Utah's total deposits?
$2.29B in total deposits.
Where is State Bank of Southern Utah located?
Cedar City, UT.
What is the Net Interest Margin?
4.46%.
How many domestic offices does it operate?
17.
When was it established?
11/25/1957.
What is the Return on Assets (ROA)?
1.47%.
How much are total loans and leases?
$1.86B (latest filing).
What is the total interest income (latest filing)?
$38.28M.