Side-by-side · Q2 2026 data
State Bank of Southern Utah vs Utah Independent Bank
Metric by metric
| Measure | State Bank of Southern Utah | Utah Independent Bank |
|---|---|---|
| TellerScore | 79 | 79 |
| Capital cushion | 70 | 100 (stronger) |
| Loan quality | 84 (stronger) | 39 |
| Earnings | 90 | 100 (stronger) |
| Funding & liquidity | 64 | 70 (stronger) |
| Problem-loan coverage | 95 (stronger) | 84 |
| Peer percentile | 88th | 75th |
| Total assets | $2.7B | $170.9M |
| Deposits / shares | $2.4B | $143.2M |
| Capital ratio | 12.04% | 16.31% (stronger) |
| Problem loans | 0.47% (stronger) | 1.82% |
| Net charge-offs | 0.27% | -0.07% (stronger) |
| Return on assets | 1.76% | 3.43% (stronger) |
| Loans ÷ deposits | 79.3% (stronger) | 83.6% |
| Uninsured deposits | 29.9% | 20.8% (stronger) |
| Offices | 17 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.2% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), State Bank of Southern Utah leads on 2 and Utah Independent Bank on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.