Side-by-side · Q2 2026 data
State Bank of Southern Utah vs Cache Valley Bank
Metric by metric
| Measure | State Bank of Southern Utah | Cache Valley Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 73 |
| Capital cushion | 70 (stronger) | 57 |
| Loan quality | 84 | 90 (stronger) |
| Earnings | 90 | 98 (stronger) |
| Funding & liquidity | 64 (stronger) | 30 |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 88th | 70th |
| Total assets | $2.7B | $3.5B |
| Deposits / shares | $2.4B | $3.1B |
| Capital ratio | 12.04% (stronger) | 10.68% |
| Problem loans | 0.47% | 0.29% (stronger) |
| Net charge-offs | 0.27% | 0.09% (stronger) |
| Return on assets | 1.76% | 1.96% (stronger) |
| Loans ÷ deposits | 79.3% (stronger) | 86.5% |
| Uninsured deposits | 29.9% (stronger) | 54.4% |
| Offices | 17 | 24 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.2% | 0.9% |
State Bank of Southern Utah has the higher TellerScore (79 vs 73). On the 7 directional measures above (where higher or lower is clearly better), State Bank of Southern Utah leads on 4 and Cache Valley Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.