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 State Bank of Southern Utah Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 18, 2026
State Bank of Southern Utah's 12-Month - ADD ON CERTIFICATE rates are at 4.25%, 60-Month CERTIFICATE rates are at 4.25%, 24-Month CERTIFICATE rates are at 4.20%, 18-Month CERTIFICATE rates are at 4.06%, 36-Month CERTIFICATE rates are at 3.80%. State Bank of Southern Utah's savings rates are at 0.20%. State Bank of Southern Utah's money market rates are at 1.00%. State Bank of Southern Utah's Page Content - VA Loan rates are at 6.49%, FHA Loan rates are at 6.38%. State Bank of Southern Utah's Auto Loan Rates are as low as 5.49%. MonitorBankRates evaluates the financial stability of State Bank of Southern Utah with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.87%. Rates last updated and verified on 09/18/2026. State Bank of Southern Utah money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at State Bank of Southern Utah? Share your experience about State Bank of Southern Utah by leaving a review below, or read customer reviews before you decide to use State Bank of Southern Utah. 
State Bank of Southern Utah CD Rates
State Bank of Southern Utah Savings Rates
State Bank of Southern Utah Money Market Rates
State Bank of Southern Utah Checking Rates
State Bank of Southern Utah Mortgage Rates
State Bank of Southern Utah Auto Loan Rates
State Bank of Southern Utah Other Rates
Financial Health HistoryState Bank of Southern Utah’s Texas Ratio fell from 5.81% in Q3 2023 to 2.87% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for State Bank of Southern Utah is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather State Bank of Southern Utah rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with State Bank of Southern Utah's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
State Bank of Southern Utah
Bank Holding Company
SOUTHERN UTAH BCORP
Address
377 N Main St,
Cedar City, UT 84721 · Iron
Website
https://www.sbsu.com
FDIC Certificate #
17964
Established
19571125
FDIC Insurance Date
19590202
Domestic Offices
17
Total Branches
17
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 99/100
5.0
Exceptional
Out of 5.0 Stars
2.87%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
1.7621%
Return on Equity (ROE)
15.5800%
Non-Performing Loans (NPL)
0.33%
Total Assets
$2,738,337,000
Total Deposits
$2,395,707,000
Equity Capital
$312,218,000
Net Income
$23,520,000
Headquarters
Cedar City
Total Branches and Offices
17
Source: FDIC | Last Updated 06/30/2026
Customer Reviews
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Add Your Rating and Review for State Bank of Southern Utah
Frequently Asked Questions About State Bank of Southern UtahHow many branches does State Bank of Southern Utah operate?State Bank of Southern Utah currently maintains approximately 17 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, State Bank of Southern Utah does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, State Bank of Southern Utah provides members with tools to manage their accounts and build a solid financial history. Does State Bank of Southern Utah offer online and mobile banking?Most modern institutions like State Bank of Southern Utah provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.sbsu.com. Current State Bank of Southern Utah Rates
Retrieved from our database of financial products. Rates subject to change.
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