BlastPoint's Banking Scorecard
State Bank of Southern Utah
Designations: ✓ Community bank
Cedar City, UT
17 branches across UT
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in UT.
- Deposits +5.9% year over year ($2.4B on the books).
- Delinquency rate 0.47%.
- Return on assets 1.76%.
- Efficiency ratio 45.84% vs a 59.73% peer average.
- Loan-to-deposit ratio 79.34% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
State Bank of Southern Utah has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 42.8% in tier
- + Net Interest Margin 0.35% above tier average
- + Efficiency Ratio 13.88% below tier average
- + Delinquency Rate 0.39% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 11.9% in tier
- - Credit Quality Pressure: Bottom 20.3% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.7B
+3.8% YoY
+2.6% QoQ
|
-$54.9M |
$2.8B
-0.6% YoY
|
$31.1B
+21.2% YoY
|
$6.3B
+7.7% YoY
|
65% |
| Total Loans ? |
$1.9B
+4.6% YoY
+0.5% QoQ
|
-$62.6M |
$2.0B
-0.3% YoY
|
$18.5B
+10.6% YoY
|
$3.2B
+9.4% YoY
|
65% |
| Total Deposits ? |
$2.4B
+5.9% YoY
+2.3% QoQ
|
+$76.9M |
$2.3B
-0.5% YoY
|
$23.9B
+15.2% YoY
|
$4.9B
+7.3% YoY
|
68% |
| Return on Assets ? |
1.76%
+28.7% YoY
-2.9% QoQ
|
+0.37% |
1.39%
+17.0% YoY
|
2.15%
+9.7% YoY
|
1.30%
+12.1% YoY
|
81% |
| Net Interest Margin ? |
4.22%
+16.1% YoY
-0.1% QoQ
|
+0.35% |
3.87%
+6.2% YoY
|
7.81%
+8.6% YoY
|
3.95%
+4.9% YoY
|
78% |
| Efficiency Ratio ? |
45.84%
-6.9% YoY
+3.4% QoQ
|
-13.88% |
59.73%
-12.6% YoY
|
105.46%
+37.7% YoY
|
70.05%
+2.5% YoY
|
Top 13.3% in tier |
| Delinquency Rate ? |
0.47%
+5.5% YoY
-14.6% QoQ
|
-0.39% |
0.87%
+11.7% YoY
|
1.38%
+2.5% YoY
|
0.98%
+16.3% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
79.34%
-1.2% YoY
-1.8% QoQ
|
-5.70% |
85.04%
-0.1% YoY
|
83.52%
+2.9% YoY
|
79.03%
+2.3% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
22.84%
-8.9% YoY
-7.8% QoQ
|
+1.57% |
21.27%
-1.5% YoY
|
17.78%
-2.6% YoY
|
21.98%
-0.6% YoY
|
64% |
| Nonperforming Asset Ratio ? |
0.33%
+6.3% YoY
-16.4% QoQ
|
-0.35% |
0.67%
+11.7% YoY
|
0.92%
+4.0% YoY
|
0.69%
+15.8% YoY
|
59% |
| Tier 1 Capital Ratio ? |
12.04%
+9.7% YoY
+0.1% QoQ
|
-2.81% |
14.84%
-0.4% YoY
|
21.39%
+2.0% YoY
|
17.09%
+0.8% YoY
|
34% |
| Non-Interest Income / Assets ? |
0.33%
+21.9% YoY
+84.8% QoQ
|
-0.20% |
0.53%
+2.5% YoY
|
2.21%
+5.7% YoY
|
0.66%
+5.2% YoY
|
58% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
22.8%
-2.2pp YoY -1.9pp QoQ |
+1.5pp | 21.4% | 20.1% | 22.2% | 64% |
| Brokered Deposits | n/a | n/a | 9.5% | 28.6% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
10.0%
+0.6pp YoY +0.4pp QoQ |
-4.0pp | 14.0% | 25.0% | 12.5% | 44% |
| CRE |
70.5%
+0.6pp YoY -0.5pp QoQ |
+20.5pp | 50.0% | 44.1% | 41.4% | 88% |
| 1-4 Family |
13.8%
+0.6pp YoY 0.0pp QoQ |
-12.6pp | 26.4% | 13.8% | 31.3% | 27% |
| Consumer |
2.2%
-0.2pp YoY 0.0pp QoQ |
-2.6pp | 4.7% | 45.8% | 5.0% | 66% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 25.0% | 19.7% | n/a |
| Leverage Ratio |
12.0%
+1.1pp YoY 0.0pp QoQ |
+0.7pp | 11.3% | 15.7% | 12.6% | 77% |
| Total Capital Ratio | n/a | n/a | 16.7% | 26.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
306
+9 (+3.0%) YoY +4 (+1.3%) QoQ |
-8 | 313 | 1,029 | 482 | 66% |
| Assets per Employee ($) |
$8.9M
+0.7% YoY +1.2% QoQ |
-$1.5M | $10.5M | $39.6M | $8.8M | 53% |
| Branch Count |
17
0 YoY 0 QoQ |
-3 | 20 | 13 | 18 | 57% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.6% | 0.4% | 44% |
| Nonaccrual |
0.4%
0.0pp YoY -0.1pp QoQ |
-0.4pp | 0.8% | 1.2% | 1.0% | 44% |
| Allowance Coverage |
2.62x
-4.7% YoY +10.4% QoQ |
-16.09x | 18.71x | 7.86x | 20.23x | 59% |
| Net Charge-off Rate (YTD) |
0.3%
+0.3pp YoY +0.3pp QoQ |
0.0pp | 0.3% | 3.6% | 0.2% | 84% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.6%
+1.7pp YoY -0.5pp QoQ |
+3.0pp | 12.6% | 15.9% | 11.6% | 77% |
| Cost of Funds (YTD) |
1.9%
-0.3pp YoY +0.1pp QoQ |
0.0pp | 1.9% | 2.3% | 1.7% | 50% |
| Net Income ($, YTD) |
$23.5M
+33.7% YoY — QoQ |
+$4.3M | $19.2M | $307.8M | $40.4M | 75% |
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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 (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.