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State Bank of Southern Utah
Cedar City, UT·FDIC Cert #17964·Charter: STATE·Est. 19571125.0·HC: SOUTHERN UTAH BCORP
Total Assets
$2.6B
Q4 2025
Return on Assets
1.49%
-0.01%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
50.15%
Peer avg: 58.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
62
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.49%-0.01
ROE
14.38%-0.43
Efficiency
50.15%+0.72
Equity/Assets
0.00%+0.00
NPL Ratio
0.56%-0.02
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
81.30%+0.59
Charge-offs
0.01%-0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.9 | 0.8 | 0.9 | 1.0 | 1.2 | 1.4 | 1.5 | 1.5 |
| ROE | 9.9 | 9.5 | 10.0 | 11.2 | 12.8 | 13.9 | 14.8 | 14.4 |
| Efficiency | 62.3 | 60.1 | 60.7 | 58.7 | 53.2 | 49.2 | 49.4 | 50.1 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.5 | 0.5 | 0.5 | 0.5 | 0.5 | 0.4 | 0.6 | 0.6 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 72.8 | 77.5 | 77.8 | 80.3 | 81.8 | 80.3 | 80.7 | 81.3 |
Balance Sheet
Total Assets$2.6B
Total Deposits$2.3B
Total Loans$1.9B
Total Equity$292.2M
Profitability
ROA1.49%
ROE14.38%
Efficiency Ratio50.15%
Net Income$38.2M
Risk & Asset Quality
NPL Ratio0.56%
Charge-off Rate0.01%
Loan/Deposit81.30%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans