BlastPoint's Banking Scorecard
State Bank of Southern Utah
Community
Specialty: Commercial
UT
FDIC cert 17964
Cedar City, UT
1484
banks in Community tier nationally
18 in UT
View Community leaderboard (UT) →
State Bank of Southern Utah faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 39% in Community
- - Credit Risk Growth: Bottom 44% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.6B
+3.6% YoY
+2.5% QoQ
|
+$1.2B |
$1.4B
+2.0% YoY
|
$27.8B
+4.3% YoY
|
$5.9B
+6.5% YoY
|
Top 13% in tier |
| Total Loans ? |
$1.9B
+9.6% YoY
+3.1% QoQ
|
+$882.8M |
$975.5M
+2.4% YoY
|
$18.4B
+5.7% YoY
|
$3.1B
+8.5% YoY
|
Top 13% in tier |
| Total Deposits ? |
$2.3B
+8.3% YoY
+2.3% QoQ
|
+$1.1B |
$1.2B
+1.7% YoY
|
$22.6B
+4.5% YoY
|
$4.7B
+6.3% YoY
|
Top 12% in tier |
| Return on Assets ? |
1.49%
+47.1% YoY
-0.7% QoQ
|
+0.32% |
1.16%
+17.2% YoY
|
1.81%
-9.1% YoY
|
1.12%
+15.6% YoY
|
73% |
| Net Interest Margin ? |
3.94%
+29.6% YoY
+4.3% QoQ
|
+0.27% |
3.66%
+9.1% YoY
|
5.42%
-7.6% YoY
|
3.75%
+7.1% YoY
|
67% |
| Efficiency Ratio ? |
50.15%
-14.5% YoY
+1.5% QoQ
|
-12.48% |
62.63%
-5.3% YoY
|
52.17%
+2.9% YoY
|
65.09%
-5.1% YoY
|
83% |
| Delinquency Rate ? |
0.56%
+12.2% YoY
-3.3% QoQ
|
-0.07% |
0.63%
+18.3% YoY
|
1.05%
-14.1% YoY
|
0.66%
+20.3% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
81.30%
+1.2% YoY
+0.7% QoQ
|
-1.77% |
83.06%
+0.3% YoY
|
84.36%
-0.6% YoY
|
78.04%
+0.7% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
25.76%
+6.8% YoY
-1.9% QoQ
|
+4.72% |
21.05%
-0.9% YoY
|
13.04%
-1.8% YoY
|
21.79%
-1.3% YoY
|
72% |
| Nonperforming Asset Ratio ? |
0.42%
+24.7% YoY
-0.2% QoQ
|
-0.08% |
0.50%
+20.3% YoY
|
0.58%
-21.1% YoY
|
0.48%
+20.8% YoY
|
44% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
9.83%
-1.9% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.56%
-3.2% YoY
+29.5% QoQ
|
-0.18% |
0.74%
-1.3% YoY
|
1.76%
-7.5% YoY
|
0.65%
+0.6% YoY
|
56% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Capital Thin
risk
#170 of 432 · Bottom 39% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Credit Risk Growth
risk
#280 of 642 · Bottom 44% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
88
88th pctile
Total Deposits
Current: $2.3B · Tier avg: $1.2B
87
87th pctile
Total Loans
Current: $1.9B · Tier avg: $975.5M
87
87th pctile
Total Assets
Current: $2.6B · Tier avg: $1.4B
83
83th pctile
Efficiency Ratio
Current: 50.15% · Tier avg: 62.63%
73
73th pctile
Return on Assets
Current: 1.49% · Tier avg: 1.16%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 25.76% · Tier avg: 21.05%
67
67th pctile
Net Interest Margin
Current: 3.94% · Tier avg: 3.66%
56
56th pctile
Non-Interest Income / Assets
Current: 0.56% · Tier avg: 0.74%
44
44th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.50%
42
42th pctile
Delinquency Rate
Current: 0.56% · Tier avg: 0.63%
40
40th pctile
Loan-to-Deposit Ratio
Current: 81.30% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
Top Weaknesses
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
40
40th pctile
Loan-to-Deposit Ratio
Current: 81.30% · Tier avg: 83.06%
42
42th pctile
Delinquency Rate
Current: 0.56% · Tier avg: 0.63%
44
44th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.50%
56
56th pctile
Non-Interest Income / Assets
Current: 0.56% · Tier avg: 0.74%
67
67th pctile
Net Interest Margin
Current: 3.94% · Tier avg: 3.66%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 25.76% · Tier avg: 21.05%
73
73th pctile
Return on Assets
Current: 1.49% · Tier avg: 1.16%
83
83th pctile
Efficiency Ratio
Current: 50.15% · Tier avg: 62.63%
87
87th pctile
Total Assets
Current: $2.6B · Tier avg: $1.4B
87
87th pctile
Total Loans
Current: $1.9B · Tier avg: $975.5M
88
88th pctile
Total Deposits
Current: $2.3B · Tier avg: $1.2B