Compared with Utah
8 of 19
compared fees are above the median.
4 below, 7 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
26th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Utah median
of 19 compared; 4 below, 7 about the same
See the feesFee schedule read Nov 2, 2026
Call-report figures are for State Bank of Southern Utah at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Utah median | Published fees above the Utah median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | State Bank of Southern Utah's published fee schedule; Bank Fee Index medians | Current schedule | Nov 2, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.3% of revenue, below the 2.2% median of 869 banks with $1B to $10B in assets (26th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $406K in Q2 2026, 13% above the same quarter a year earlier ($360K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
8 of 19 compared published fees sit above the Utah median; 4 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Utah medians for fees published by banks and credit unions.
Non-Network ATM
Compared at $7.50, the middle of its prices
NSF / Returned Item
Compared at $22.50, the middle of its prices
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for Utah, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 18% from Q3 2025 to Q2 2026, to $406K. Its share of revenue, 1.3%, is below the 2.2% median for banks with $1B to $10B in assets.
$406K
State Bank of Southern UtahMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Non-network ATM: Listed at $5 to $10; we compare the midpoint.
State Bank of Southern Utah · $2.7B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| State Bank of Southern Utah(this institution) | Cedar City, UT | $2.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| ANB Bank | Denver, CO | $2.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Avidia Bank | Hudson, MA | $2.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bank Independent | Sheffield, AL | $2.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| BayCoast Bank | Swansea, MA | $2.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Cornerstone Bank | York, NE | $2.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Emprise Bank | Wichita, KS | $2.8B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| FCB Banks | Collinsville, IL | $2.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Fidelity Bank & Trust | Dubuque, IA | $2.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First National Bank | Paragould, AR | $2.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Home Federal Bank of Tennessee | Knoxville, TN | $2.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| INB, National Association | Springfield, IL | $2.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Industrial and Commercial Bank of China USA, National Association | New York, NY | $2.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Ion Bank | Naugatuck, CT | $2.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| KS StateBank | Manhattan, KS | $2.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Machias Savings Bank | Machias, ME | $2.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Merchants Bank, National Association | Winona, MN | $2.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Meridian Bank | Wayne, PA | $2.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| National Exchange Bank and Trust | Fond du Lac, WI | $2.9B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| North Shore Bank | Brookfield, WI | $2.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| One Community Bank | Oregon, WI | $2.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Open Bank | Los Angeles, CA | $2.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Quad City Bank and Trust Company | Bettendorf, IA | $2.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Sunrise Banks, National Association | Sioux Falls, SD | $2.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wells Fargo Bank South Central, National Association | Houston, TX | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Westfield Bank | Westfield, MA | $2.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 13 publish this fee(monthly maintenance)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $8 among 13 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
State Bank of Southern Utah does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for State Bank of Southern Utah (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $406K | +$36K | +9.7% |
| Q1 2026 | $370K | −$21K | −5.4% |
| Q4 2025 | $391K | +$48K | +14.0% |
| Q3 2025 | $343K | −$17K | −4.7% |
| Q2 2025 | $360K | +$68K | +23.3% |
| Q1 2025 | $292K | −$46K | −13.6% |
| Q4 2024 | $338K | −$36K | −9.6% |
| Q3 2024 | $374K | +$41K | +12.3% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, State Bank of Southern Utah left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to State Bank of Southern Utah by share.
Amounts from State Bank of Southern Utah’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per hour
per month
per item
per item
per item
per item
per item
per year
per item
per hour · Subpoena Research | $100/hr
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closure – If within 6 months of opening and no other account relationship exists with SBSU | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Research Fee (per hour) | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Fee - Big Interest Checking only | $2Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Return Mail / Bad Address | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| NSF - Non Sufficient Funds/Return Item3&4 – Consumer accounts limited to fee occurrence of 4 per day | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| NSF / Returned Item | $25Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| NSF / Returned Item | $45Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| NSF and Bill Pay: A | $20Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Return Check Charge | $15Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Return Check Service Charge | $15Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Transfer / Overdraft Prevention – Bank initiated to maintain a balance or prevent an overdraft, including SureCash trans | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Money Market - ATM and in-person withdrawals unlimited. | $10Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Savings - ATM and in-person withdrawals unlimited. | $5Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Rush Card Fee | $25Below the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfers: Outgoing Domestic | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfers: Incoming | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfers: Outgoing International | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier's Checks or Money Orders | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Collection Exchange – SBSU exchanges NSF deposit item for good funds at another bank | $25Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Foreign Canadian Check Processing1 – Payable in US or Canadian funds | $7.50Below the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Foreign Non-Canadian Check Processing | $250Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Pay | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Coin Processing Fee | $2Inside the U.S. middle 50% ($0 to $2.50 nationally) | per item | None |
| Cash advance | 2%of the advance | Not stated | None |
| Return Deposit Item Processing - OD charges may apply if return overdraws account. | $3Below the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
Account Services | |||
| Safe Deposit Box 10 x 10 | $70Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 x 10 | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 x 5 | $15Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 10 | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 5 | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Legal processing – Garnishment / Levy | $100Above the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Subpoena Research | $100Not compared: Charged per hour; comparison unavailable | per hour | Subpoena Research | $100/hr |
Lending Fees | |||
| Late Fee | $25Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Transfer - Transfer IRA funds to another institution. | $25Inside the U.S. middle 50% ($25 to $35 nationally) | per item | None |
Other Fees | |||
| Fax | $2Not compared: Charged per page; comparison unavailable | per page | Fax | $2 per page |
| Photocopy Fee (copies of sales slips) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Statement Reprint | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Nov 2, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where State Bank of Southern Utah operates, and what regulators and customers have on file.
Branch footprint
17 offices in 1 state, $2.4B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 12 | $1.7B |
| 5 | $743.7M |
St. George, UT
18.8% of bank deposits, #2 of 10, up 2.8 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Zions Bancorporation, N.A. | 30.1% |
| Cache Valley Bank | 18.3% |
| Wells Fargo Bank, National Association | 14.1% |
| JPMorgan Chase Bank, National Association | 8.2% |
| U.S. Bank National Association | 4.9% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In St. George, UT, State Bank of Southern Utah holds 18.8% of bank deposits, #2 of 10, with 5 offices.
56 offices of 19 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 10 institutions shown. $4.0B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 18.8% share, 5 offices, #2 of 10
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
28 offices of 9 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.