State Bank Of Southern Utah: Bank Stress & Real-Estate Credit Exposure

State Bank Of Southern Utah (FDIC Cert #17964) carries a DLRadar bank-stress score of 50/100, a moderate reading of the credit and balance-sheet pressure weighing on the institution. That figure comes straight from public FDIC call-report data — capital, asset quality, earnings and property-loan concentration — weighted by the bank's lending footprint.

The DLRadar bank-stress score is a composite, not a single ratio: it weighs State Bank Of Southern Utah's capital adequacy, asset quality, earnings and — most heavily — its real-estate loan concentration, then scales the result by where the bank actually lends, so two banks with identical headline financials can score differently based on the markets they finance. Read against its 8-county reach, a moderate score sets the credit tone for every market on its map. The value is in the linkage: State Bank Of Southern Utah's moderate reading is mapped onto 91 ZIP codes and 8 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. State Bank Of Southern Utah is held under Southern Utah Bcorp, so its disclosures are public and its stress trajectory is externally verifiable. Over the trailing week its stress reading is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. At the county level, State Bank Of Southern Utah finances markets like Washington County, UT, Sanpete County, UT, Sevier County, UT, Millard County, UT — the specific places where its credit posture translates into local lending capacity. DLRadar maps State Bank Of Southern Utah into 8 counties (91 ZIP codes) across 1 states — a compact, single-state lending base. It concentrates most in Utah (8 counties). Because State Bank Of Southern Utah is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 50/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution.

The acquisition angle is simple — lending capacity is what moves deals. As State Bank Of Southern Utah tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. The result is an early, auditable read on supply, every figure anchored to public data.