State Bank of Southern Utah
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.0. A current level of 2.8 percent of nonperforming loans to core capital combined with 3.5 percent from a year earlier contributes to the Good asset quality (6.9).
Other Rating Factors:
Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.4 has resulted in Good (6.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Comm re (30%), securities (21%), comm loans (6%), home eq lns (5%), home mtgs (4%), cash (4%), consumer loans (2%), other (28%)
States with Branches:
UT
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Southern Utah Bancorporation
Investment Rating
--
Address
377 North Main Street
Cedar City, UT 84721
Cedar City, UT 84721
Phone Number
(435) 865-2300
Year Founded
1957
FDIC Number
Website
Largest Affiliates
No affiliate information available.