BlastPoint's Banking Scorecard
State Bank of Southern Utah
Designations: ✓ Community bank
Cedar City, UT
17 branches across UT
State Bank of Southern Utah has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 24.9% in tier
- + Net Interest Margin 0.40% above tier average
- + Efficiency Ratio 16.73% below tier average
- + Delinquency Rate 0.34% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 34.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.7B
+4.3% YoY
+2.6% QoQ
|
-$146.3M |
$2.8B
-0.1% YoY
|
$31.5B
+16.1% YoY
|
$6.2B
+9.1% YoY
|
64% |
| Total Loans ? |
$1.9B
+7.4% YoY
+1.8% QoQ
|
-$74.0M |
$2.0B
+0.6% YoY
|
$18.8B
+6.7% YoY
|
$3.2B
+10.8% YoY
|
65% |
| Total Deposits ? |
$2.3B
+8.7% YoY
+2.4% QoQ
|
-$1.8M |
$2.3B
-0.3% YoY
|
$24.2B
+10.6% YoY
|
$4.8B
+8.2% YoY
|
67% |
| Return on Assets ? |
1.82%
+46.5% YoY
+22.0% QoQ
|
+0.45% |
1.37%
+19.6% YoY
|
2.19%
+3.7% YoY
|
1.23%
+13.4% YoY
|
84% |
| Net Interest Margin ? |
4.22%
+20.4% YoY
+7.2% QoQ
|
+0.40% |
3.82%
+6.9% YoY
|
7.79%
+9.7% YoY
|
3.89%
+5.7% YoY
|
80% |
| Efficiency Ratio ? |
44.33%
-16.7% YoY
-11.6% QoQ
|
-16.73% |
61.06%
-4.6% YoY
|
105.45%
+9.4% YoY
|
66.95%
-4.1% YoY
|
Top 10.6% in tier |
| Delinquency Rate ? |
0.55%
+19.1% YoY
-1.2% QoQ
|
-0.34% |
0.89%
+14.1% YoY
|
1.46%
+7.1% YoY
|
0.95%
+18.8% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
80.76%
-1.3% YoY
-0.7% QoQ
|
-3.45% |
84.20%
+0.3% YoY
|
84.36%
+3.4% YoY
|
76.70%
+0.9% YoY
|
64% |
| Non-Interest-Bearing Deposit Share ? |
24.77%
+0.5% YoY
-3.9% QoQ
|
+3.48% |
21.29%
-2.5% YoY
|
17.87%
+4.4% YoY
|
22.01%
-1.2% YoY
|
71% |
| Nonperforming Asset Ratio ? |
0.39%
+22.6% YoY
-6.8% QoQ
|
-0.28% |
0.67%
+15.6% YoY
|
1.01%
+17.9% YoY
|
0.67%
+19.3% YoY
|
54% |
| Tier 1 Capital Ratio ? |
12.03%
+10.4% YoY
+1.7% QoQ
|
-3.13% |
15.16%
+2.0% YoY
|
22.97%
+16.9% YoY
|
17.06%
+0.8% YoY
|
31% |
| Non-Interest Income / Assets ? |
0.18%
+34.3% YoY
-68.3% QoQ
|
-0.08% |
0.26%
+1.6% YoY
|
1.04%
+5.8% YoY
|
0.32%
+4.1% YoY
|
64% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (1)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.