Banks | State Bank of Southern Utah
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State Bank of Southern Utah


ACH Number: 124301779

State Bank of Southern Utah is an FDIC insured institution headquartered at 377 N Main St, Cedar City, UT 84721.
It was founded in 1957 and has approximately $3 billion in assets. Customers can open an account at one of its 14 branches.

Deposit Rates - July 18, 2026

SAVINGS RATES APY MIN
Savings
0.25% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.50% $10,000 Compare
6 Mo CD
0.50% $100,000 Compare
12 Mo CD
0.60% $10,000 Compare
12 Mo CD
0.60% $100,000 Compare
18 Mo CD
0.75% $10,000 Compare
18 Mo CD
0.75% $100,000 Compare
24 Mo CD
0.90% $10,000 Compare
24 Mo CD
0.90% $100,000 Compare
36 Mo CD
1.10% $10,000 Compare
36 Mo CD
1.10% $100,000 Compare
48 Mo CD
1.26% $10,000 Compare
48 Mo CD
1.26% $100,000 Compare
60 Mo CD
1.36% $10,000 Compare
60 Mo CD
1.36% $100,000 Compare
MM RATES APY MIN
Money Market
0.20% $2,500 Compare
Money Market
0.20% $10,000 Compare
Money Market
0.25% $25,000 Compare
VARIABLE IRA RATES APY MIN
Var IRA
1.26% $1
INT CHECKING RATES APY MIN
Int Ckg
0.20% $1
Int Ckg
0.20% $2,500




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 17964
Date Established 1957
Assets $ 2.60 billion
Loans $ 1,858.31 million
Deposits $ 2.29 billion
Capital $ 292.15 million

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions $ 121.28 million
Interest-bearing balances $ 96.93 million
Total securities $ 480.10 million
Federal funds sold and reverse repurchase $ 0.42 million
Net loans and leases $ 1,858.31 million
Loan loss allowance $ 24.16 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.53 million
Goodwill and other intangibles $ 6.07 million
All other assets $ 73.86 million
     Total Assets $ 2.31 billion

LIABILITIES
Total deposits $ 2.29 billion
      Interest-bearing deposits $ 1,696.98 million
      Deposits held in domestic offices $ 2.29 billion
      % insured (estimated)" 72.91%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 30.00 million
Subordinated debt N.A.
All other liabilities $ 15.31 millionn
      Total Liabilities $ 2.31 billion
      Shareholders’ Equity $ 292.15 million

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income $ 145.13 million
Total Interest Expense $ 50.57 million
Net interest income $ 94.56 million
Provision for loan and lease losses $ 3.98 million
Total non interest income $ 14.50 million
Total non interest expense $ 55.05 million
Pre-tax Net Operating Income $ 17.95 million

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