Justin Barnes - Commercial Loan Officer

 Justin grew up in Cedar City and has always had a great love for sports and the outdoors. He enjoys being a husband and father and watching his children grow, and especially loves spending time with them at their cabin in the mountains. He graduated from Southern Utah University with a double major in Accounting and Business Management and has been in the banking industry for more than 14 years. His favorite part of working for State Bank is being able to help the community with their financial needs. He also appreciates the personable atmosphere and that decisions are made locally.

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Topics: Bio, Cedar City, Loans

4 Ways to use Home Equity


Because of its flexibility, a Home Equity Line of Credit (HELOC) is a popular choice for homeowners.  A HELOC allows you to borrow against the equity in your home. Essentially you can borrow up to a certain percentage of your home’s appraised value, less outstanding mortgage balance, and then put that money to use wherever you deem fit. In other words, you are borrowing the equity in your home to use the cash.

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Topics: Banking, Loans, Education, HELOC

Jeremy Andrews - Commercial Loan Officer

As a commercial loan officer Jeremy Andrews fits right in here at SBSU, with his passion for helping small businesses, and love for hometown spirit. In his spare time Jeremy appreciates running, mountain biking and many other athletic activities. Jeremy comes from Price Utah, and has attended CEU, USU and SUU where he obtained his MBA. While speaking in church one Sunday Jeremy met a wonderful woman named Natalie, some months later they began dating, now the Andrews have been married for 11 ½ years, and they have 4 children. Jeremy enjoys working here because of “the ability to take care of people”, Jeremy’s goal is to show Southern Utah, just how much simpler life, and loans can be. We are excited for you to meet Jeremy and see for yourselves just how amazing he is.

Contact Jeremy for any of your Commercial lending needs.



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Topics: Employees, Lending, Loans, Southern Utah, Jeremy Andrews, Employee Bio, Commercial Loans

How to Get Your Free Credit Report

The Fair Credit Reporting Act (FCRA) requires each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in the files of the nation’s credit reporting companies. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the FCRA with respect to credit reporting companies.

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Topics: Personal, Real Estate, Experian, Free Credit Report, Equifax, Business, Security, Loans, Credit Report, TransUnion, Fraud, Education, Free Annual Report, Federal Trade Commission

Layne Barney - Agricultural Loan Officer

Meet Layne Barney, an Agricultural Loan Officer at State Bank of Southern Utah. Layne has worked at State Bank’s Richfield Branch for 10 months. He enjoys working with his fellow State Bank employees, helping customers and being involved in community events. Layne grew up in Monroe Utah, attended Southern Utah University and graduated with a degree in Agricultural Science. Layne and his wife Jacee have a two year old son, Boston, and are expecting another boy in June! He enjoys hunting, 4-wheeling and refereeing basketball games. As a lifelong southern Utah resident, Layne has a thorough knowledge of the financial market in Sevier County.

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Topics: State Bank of Southern Utah, Employee, Richfield Utah, Southern Utah Lending, Employees, Agricultural Loans, Loans, Employee Bio

About SBSU

Hometown banking was established in southern Utah with the opening of State Bank of Southern Utah in 1957.

Hometown banking is important because people who live and work in southern Utah make the decisions. Bank employees and officers understand the banking needs of area residents because they are affected by the same economic climate. Find out what hundreds already know - hometown banking is better.

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