STRONG
How competitive are their spreads? Lower = better for you.
STRONG
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
765
2010–2026
Total Volume
$241M
Gross loan amounts
States Active
5
With recorded loans
Programs
7(a) & 504
765 total segments
State Bank of Southern Utah has a strong presence in the 504 loan market, with 26% of their SBA deals being 504 loans, compared to the national average of 18%. This indicates they are well-equipped to handle real estate-heavy financing needs, making them a good option for borrowers looking to purchase property or expand existing facilities.
With an average 7(a) loan spread of P+1.81%, State Bank of Southern Utah offers competitive pricing compared to the national median of P+2.75%. This lower spread can result in significant savings over the life of the loan, making them an attractive option for borrowers seeking affordable financing.
The bank's deal size breakdown shows that 414 of their loans are under $150K, indicating a strong focus on smaller businesses. If you're a first-time borrower or a small business owner seeking a loan in this range, State Bank of Southern Utah may be particularly well-suited to meet your needs.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 198 504 loans, which use fixed SBA debenture rates.
States where State Bank of Southern Utah has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Specialty Trade Contractors
Construction
Manufacturing
Manufacturing
Transportation & Warehousing
Transportation & Warehousing
Hotels & Accommodation
Accommodation & Food Services
Restaurants & Food Service
Accommodation & Food Services
Wholesale Trade
Wholesale Trade
Administrative & Waste Services
Administrative & Waste Services
Retail Trade
Retail Trade
+ 7 more
All recorded SBA lending activity for State Bank of Southern Utah, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Utah · Transportation & Warehousing · Under $150K | 7(a) | 58 | P+2.50% | $61K | Q4 2025 |
| Utah · Specialty Trade Contractors · Under $150K | 7(a) | 47 | P+2.00% | $67K | Q3 2023 |
| Utah · Administrative & Waste Services · Under $150K | 7(a) | 30 | P+2.50% | $62K | Q1 2025 |
| Utah · Wholesale Trade · Under $150K | 7(a) | 29 | P+2.50% | $77K | Q1 2025 |
| Utah · Manufacturing · Under $150K | 7(a) | 27 | P+2.25% | $86K | Q2 2024 |
| Utah · Mining & Oil/Gas · Under $150K | 7(a) | 21 | P+2.65% | $63K | Q2 2018 |
| Utah · Retail Trade · Under $150K | 7(a) | 19 | P+2.00% | $64K | Q1 2025 |
| Utah · Other Health Practitioners · Under $150K | 7(a) | 17 | P+2.75% | $57K | Q4 2024 |
| Utah · Restaurants & Food Service · Under $150K | 7(a) | 16 | P+2.13% | $57K | Q3 2024 |
| Utah · Auto Repair & Maintenance · Under $150K | 7(a) | 14 | P+2.13% | $52K | Q1 2024 |
| Utah · Miscellaneous Retail · Under $150K | 7(a) | 13 | P+2.25% | $57K | Q4 2025 |
| Utah · Specialty Trade Contractors · $150K – $350K | 7(a) | 12 | P+1.50% | $238K | Q4 2025 |
| Utah · Restaurants & Food Service · $150K – $350K | 7(a) | 11 | P+1.50% | $234K | Q4 2024 |
| Utah · Real Estate · Under $150K | 7(a) | 11 | P+2.25% | $61K | Q2 2022 |
| Utah · Manufacturing · $150K – $350K | 7(a) | 10 | P+1.50% | $287K | Q1 2024 |
| Utah · Specialty Trade Contractors · $150K – $350K | 504 | 10 | — | $236K | Q2 2023 |
| Utah · Other Repair & Services · Under $150K | 7(a) | 9 | P+2.00% | $55K | Q2 2017 |
| Utah · Hotels & Accommodation · $150K – $350K | 7(a) | 9 | P+1.75% | $276K | Q1 2023 |
| Utah · Hotels & Accommodation · $500K – $1M | 504 | 9 | — | $727K | Q1 2025 |
| Utah · Building Construction · Under $150K | 7(a) | 8 | P+2.67% | $48K | Q3 2023 |
| Utah · Manufacturing · $1M – $2M | 504 | 8 | — | $1.6M | Q1 2024 |
| Utah · Legal Services · Under $150K | 7(a) | 7 | P+2.25% | $82K | Q3 2020 |
| Utah · Heavy & Civil Engineering · Under $150K | 7(a) | 7 | P+2.25% | $71K | Q1 2020 |
| Utah · Physician & Dental Offices · Under $150K | 7(a) | 7 | P+2.00% | $93K | Q1 2021 |
| Utah · Manufacturing · $150K – $350K | 504 | 7 | — | $247K | Q1 2022 |
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