🏦Bank Scorer

STATE BANK OF SOUTHERN UTAH

CEDAR CITY, UT · Supervised by FDIC

Est. 1957FDIC #17,964RSSD: FDIC-17964
Part ofSOUTHERN UTAH BCORP→ View all charters
Satisfactory Down

Current rating · Exam: December 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.82%

Institution Profile

FDIC BankFind

Address

377 N Main St, CEDAR CITY, UT

County

Iron County

Established

November 25, 1957

Total Assets

$2.7B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

December 1, 2024

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Dec 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.7B

Total Deposits

$2.3B

Net Loans

$1.9B

Net Income

$12M

ROA

1.82%

ROE

16.11%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate12.14%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

17

Branch Deposits

$2.3B

1-Year Change

0

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202484071.67%12.14%
202373173.32%13.54%
20221,14075.88%10.70%
20211,10564.16%11.49%
20201,34963.9%11.42%
201964166.61%12.64%
201863668.71%10.53%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

11 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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