SAUK VALLEY BANK & TRUST COMPANY

STERLING, IL | Medium | Est. July 9, 1999, midnight | FDIC #35131 | RSSD #2797162 | FDIC
Latest Report: 2025-12-31

SAUK VALLEY BANK & TRUST COMPANY is amn medium FDIC-insured commercial bank headquartered in STERLING, IL, established in July 9, 1999, midnight. As of 2025-12-31, the bank reported total assets of $748M and total deposits of $616M. Profitability stands at 1.10% ROA and 13.97% ROE, with a net interest margin of 4.30%. The bank's CET1 capital ratio is 11.31%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.02% and a Texas Ratio of 8.92%. FDIC Certificate #35131.

Assets

$748M

Deposits

$616M

Loans

$552M

Equity

$59M

Profitability

Return on Assets (ROA) 1.10%
Return on Equity (ROE) 13.97%
Net Interest Margin (NIM) 4.30%
Yield on Assets 6.44%
Cost of Funds 2.16%

Asset Quality

NPL Ratio 1.02%
Net Charge-Off Ratio 0.00%
Texas Ratio 8.92%
NPA Ratio 0.79%
ACL / Loans 1.32%

Capital & Liquidity

CET1 Ratio 11.31%
Tier 1 Capital 11.31%
Total Capital Ratio 12.56%
Leverage Ratio 8.83%
Loan-to-Deposit 89.58%

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