State Bank of Southern Utah
Headquartered in CEDAR CITY, UT. Analysis based on 190 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $50.3M.
Total 7(a) loans
190
Total approved
$50.3M
Average loan
$265K
States funded in
5
Charge-off rate
0.00%
FY2020–FY2023 cohort
Paid-in-full rate
53.10%
Average rate
6.72%
Average term
107 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 238110 | Poured Concrete Foundation and Structure Contractors | 9 |
| 238910 | Site Preparation Contractors | 6 |
| 561730 | Landscaping Services | 6 |
| 722515 | Snack and Nonalcoholic Beverage Bars | 5 |
| 811111 | General Automotive Repair | 4 |
| 721110 | Hotels (except Casino Hotels) and Motels | 4 |
| 238160 | Roofing Contractors | 3 |
| 238390 | Other Building Finishing Contractors | 3 |
| 446110 | Pharmacies and Drug Stores | 3 |
| 447110 | Gasoline Stations with Convenience Stores | 3 |
Top 10 states
| State | Loans |
|---|---|
| UT | 185 |
| NV | 2 |
| AZ | 1 |
| WY | 1 |
| CA | 1 |
Top franchise brands financed
15 franchise loans across 14 distinct brands.
| Franchise | Loans |
|---|---|
| Handel's Homemade Ice Cream Si | 2 |
| InXpress | 1 |
| Fed Up Kitchen | 1 |
| Best Western - Membership Agre | 1 |
| Mr. Appliance | 1 |
| Overland Petroleum (Sinclair) | 1 |
| ServiceMaster | 1 |
| Five Star Bath Solutions | 1 |
| Jenkins Oil Company, Inc (Shel | 1 |
| Mountain Mike's Pizza | 1 |
Get matched with SBA lenders — free
Tell us a bit about your funding need. We'll connect you to SBA-preferred lenders active in your industry and state. No obligation.
Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.