State Bank of Southern Utah on Your Credit Report
In short: With $2.7 billion in total assets reported on its 06/30/2026 call report and 17 FDIC-reported offices, State Bank of Southern Utah is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator based in Cedar City, UT. It has held FDIC certificate 17964 on a charter now 69 years old. Where State Bank of Southern Utah reports an account it does so as the original creditor and furnisher, so FCRA §623 — not the FDCPA validation rules that apply to collectors — is the governing accuracy standard. Information that is inaccurate, incomplete, or unverifiable can be disputed under the FCRA. Outcomes depend on what the furnisher can verify, and results vary.
Who State Bank of Southern Utah actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
State Bank of Southern Utah has been in continuous operation for 69 years, chartered November 25, 1957 and carried on the FDIC's books as certificate 17964. Its 06/30/2026 call report shows 17 FDIC-reported offices and $2.7 billion in total assets, averaging roughly $161 million per office.
How State Bank of Southern Utah appears on your credit report
State Bank of Southern Utah is a community-scale lender headquartered in Cedar City, UT, with 17 FDIC-reported offices and $2.7 billion in assets, on a charter 69 years old. At this size a single account is often handled by a small team, which cuts both ways — errors are less likely to be systemic, but when one occurs there may be no automated process to catch it. A precise written dispute naming the exact field that is wrong tends to work better here than a general statement of disagreement.
Names it may report under
Products that commonly show up
- ◆Construction and lot loans that convert to permanent financing
- ◆Consumer installment and personal loans originated by State Bank of Southern Utah
- ◆Deposit accounts charged off to a negative balance
Grounds to dispute a State Bank of Southern Utah entry
Each of these is a reason a State Bank of Southern Utah tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payment posted at a State Bank of Southern Utah office in Cedar City but reported late because of a processing-date mismatch
- ◆Escrow shortage treated as a missed payment on a State Bank of Southern Utah-serviced mortgage
- ◆Authorised-user or co-borrower account reported as the primary obligation
- ◆Account balance or credit limit reported incorrectly
- ◆Payment reported late when it was made inside the grace period
- ◆Date of first delinquency re-aged to extend how long it can report
- ◆Account still reporting as open after it was closed, or vice versa
- ◆Duplicate tradeline for the same account after an internal transfer
- ◆Account belongs to someone else with a similar name, or is the result of identity theft
Disputing an original creditor is not the same as disputing a collector
State Bank of Southern Utah is an original creditor — the institution whose name was on the account when it was opened. That matters for two reasons. First, the FDCPA, which governs debt collectors, generally does not apply to a creditor collecting its own debt in its own name, so the “debt validation” request that works against a collection agency is not the right tool here. Second, as the furnisher of the tradeline, State Bank of Southern Utah has direct obligations under FCRA §623 to investigate a dispute you send it and to correct or delete information it cannot verify as accurate.
Dispute with the bureaus — FCRA §611
File with Equifax, Experian and TransUnion. They must generally investigate within 30 days and tell the furnisher. Free, and you can do it yourself.
Dispute with the furnisher — FCRA §623
Send State Bank of Southern Utah a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
State Bank of Southern Utah questions, answered
Is State Bank of Southern Utah FDIC-insured, and what is its certificate number?
Yes. State Bank of Southern Utah holds FDIC certificate 17964. The FDIC record shows a charter established November 25, 1957, headquarters in Cedar City, UT, and 17 FDIC-reported offices with $2.7 billion in total assets as of the 06/30/2026 call report. It is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator.
Who regulates State Bank of Southern Utah, and where do I escalate if a dispute fails?
State Bank of Southern Utah is a state-chartered bank that is not a member of the Federal Reserve System, so the FDIC is its primary federal regulator, working alongside the UT state banking department. If a dispute with the bank and the bureaus both fail, you can complain to the FDIC, to the UT regulator, or to the CFPB. That does not replace your FCRA rights — it is an escalation path on top of them.
How old is the State Bank of Southern Utah charter, and why does that matter for my credit report?
State Bank of Southern Utah has held its charter since 1957. Banks chartered in this period generally converted to modern core-processing systems at some point, and system conversions are a recognised source of credit-reporting errors — duplicated tradelines, reset open dates, and payment histories that appear to restart. If your State Bank of Southern Utah account shows a sudden discontinuity, ask specifically whether it was migrated between systems.
How big is State Bank of Southern Utah, and what does that mean for disputing an account?
State Bank of Southern Utah reports $2.7 billion across 17 FDIC-reported offices — roughly $161 million per office. The FDIC's office figure counts all reported locations, including non-retail ones such as loan-production sites, so it should be read as a reported footprint rather than a branch count. For a dispute, the practical point is that an institution this size normally handles consumer files with identifiable staff rather than a fully automated queue.
How do I dispute a State Bank of Southern Utah account on my credit report?
You have two free routes and you can use both yourself without paying anyone. Under FCRA §611 you may dispute with Equifax, Experian and TransUnion, and under FCRA §623 you may dispute directly with State Bank of Southern Utah as the furnisher. Put it in writing, identify the account by its last four digits and open date, state specifically what is inaccurate rather than simply saying you disagree, and keep copies and proof of delivery. Whether an item changes depends entirely on what State Bank of Southern Utah can verify, and results vary from case to case.
Does UT law change anything about a State Bank of Southern Utah account?
Keep two clocks separate. The FCRA reporting window is federal and does not vary by state. Your state's statute of limitations — how long anyone can successfully sue you — is separate and independent: a debt can be too old to sue over yet still report legitimately, or drop off your report while remaining collectable. State Bank of Southern Utah being headquartered in Cedar City, UT does not make UT law automatically yours; the limitation period usually follows where you live and what the contract says. Check your own state's rule, and note that making a payment restarts that clock in many states.
How long can a State Bank of Southern Utah account stay on my credit report?
Generally up to seven years from the date of first delinquency on that State Bank of Southern Utah account — the original missed payment that was never brought current — not seven years from when it was charged off, sold, or last updated. Transferring the account to another servicer does not restart it either. If State Bank of Southern Utah or a later owner has moved that date forward, the re-aging is itself an FCRA inaccuracy and is worth disputing on its own, separately from whether you owe the balance.
Does State Bank of Southern Utah appear in the CFPB complaint database?
We do not publish a complaint figure for State Bank of Southern Utah. The CFPB database is keyed to company names that do not map cleanly onto FDIC certificate 17964, and attributing another company's complaint volume to this bank would be inaccurate. If you want to check for yourself, search the CFPB's public complaint database directly by company name. If you have an unresolved problem with this bank you can also file your own complaint there at no cost.
What is the difference between disputing with State Bank of Southern Utah and disputing with a collection agency?
State Bank of Southern Utah is the original creditor — the furnisher whose name was on the account when it was opened — while a collection agency is a third party that bought or was assigned it later. That changes your tools. Against a collector, FDCPA §809 lets you demand validation within 30 days of first contact. That right does not apply to State Bank of Southern Utah; against an original creditor your leverage is the FCRA §623 accuracy duty. Different deadlines, different evidence — so check which party is actually listed as furnishing the account before you write, because sending the wrong letter to the wrong party wastes the clock.
Other creditors on credit reports
This page is general information about consumer rights, not legal advice, and does not create an attorney-client relationship. Crowned Credit is not affiliated with, endorsed by, or sponsored by State Bank of Southern Utah; company names are used only to identify the institution a consumer may see on a credit report. Crowned Credit does not promise any particular outcome; results vary by individual circumstances and by what a furnisher is able to verify. Accurate, verifiable information generally cannot be removed from a credit report. You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus and with the furnisher.
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