Bank · FDIC insured
State Bank of Southern Utah
Top CarrotA $2.7B bank headquartered in Cedar City, UT, with 17 branches in Utah. Best rates: CDs 4.25% and savings 1.00% APY.
State Bank of Southern Utah Carrot Score
Carrot ScoreTop Carrot
Higher than 86% of U.S. banks and credit unions
#8 of 15 in St. George, UT metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About State Bank of Southern Utah
- Headquarters
- 377 N Main St, Cedar City, UT 84721
- FDIC certificate
- 17964 ↗
Branches
17 branches in Utah
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Utah
17 branches
St. George area · 5
- Hurricane Office720 W State St, Hurricane, UT 84737Directions
- Santa Clara Branch2287 Santa Clara Dr, Santa Clara, UT 84765Directions
- St. George Branch395 E Saint George Blvd, St. George, UT 84770Directions
- St. George Branch1337 E 170 S, St. George, UT 84790Directions
- Washington Fields Branch2961 E Mall Drive, St. George, UT 84790Directions
Cedar City area · 3
- State Bank of Southern UtahMain office377 N Main St, Cedar City, UT 84721Directions
- Cedar City South Interchange Office1322 S Interstate Dr, Cedar City, UT 84720Directions
- Parowan Branch93 N Main St, Parowan, UT 84761Directions
Circleville area · 1
- Circleville Branch125 W Main St, Circleville, UT 84723Directions
Delta area · 1
- Delta225 W Main St, Delta, UT 84624Directions
Escalante area · 1
- Escalante250 W Main St, Escalante, UT 84726Directions
Fillmore area · 1
- Fillmore Branch310 S Main St, Fillmore, UT 84631Directions
Gunnison area · 1
- Gunnison Branch122 S Main St, Gunnison, UT 84634Directions
Kanab area · 1
- Kanab Branch99 West Center Street, Kanab, UT 84741Directions
Orderville area · 1
- Orderville Branch55 East State Street, Orderville, UT 84758Directions
Richfield area · 1
- Richfield Branch14 S Main St, Richfield, UT 84701Directions
Tropic area · 1
- Tropic Branch200 N Main St, Tropic, UT 84776Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 12.04% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.47% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.76% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $80 | $88 | — |
- CapitalLeverage ratio12.04%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.47%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.76%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$80Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of State Bank of Southern Utah are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.