SAUK VALLEY BANK & TRUST COMPANY
SAUK VALLEY BANK & TRUST COMPANY is an FDIC-insured commercial bank headquartered in STERLING, IL, established in 1999. As of , 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 4.12%. CET1 capital ratio: 11.31%, well above regulatory minimums. NPL ratio: 1.02% · Texas Ratio: 8.94%. Operates 9 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Sauk Valley Bank & Trust Company rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 11.31% | 1.10% | 1.02% | 8.94% | 4.12% |
| 2025-09-30 | 11.15% | 0.75% | 1.24% | 10.65% | 3.34% |
| 2025-06-30 | 11.09% | 0.77% | 0.60% | 5.63% | 3.58% |
| 2025-03-31 | 11.19% | 0.65% | 0.80% | 6.71% | 3.42% |
| 2024-12-31 | 11.21% | 0.71% | 0.97% | 8.39% | 3.36% |
| 2024-09-30 | 10.90% | 0.71% | 1.08% | 9.24% | 3.23% |
| 2024-06-30 | 11.15% | 0.71% | 1.25% | 11.16% | 3.16% |
| 2024-03-31 | 11.08% | 0.56% | 1.31% | 11.73% | 3.03% |
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Frequently asked about SAUK VALLEY BANK & TRUST COMPANY
What are Sauk Valley Bank & Trust Company's total assets?
As of the Q4 2025 filing, Sauk Valley Bank & Trust Company reported total assets of $748.2 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Sauk Valley Bank & Trust Company headquartered?
Sauk Valley Bank & Trust Company is headquartered in STERLING, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Sauk Valley Bank & Trust Company founded?
Sauk Valley Bank & Trust Company was established in 1999, per the FDIC institution directory.
Is Sauk Valley Bank & Trust Company FDIC-insured?
Yes. Sauk Valley Bank & Trust Company is an FDIC-insured commercial bank (FDIC Certificate #35131). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Sauk Valley Bank & Trust Company?
Sauk Valley Bank & Trust Company's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Sauk Valley Bank & Trust Company's CET1 capital ratio?
Sauk Valley Bank & Trust Company reported a Common Equity Tier 1 (CET1) capital ratio of 11.31% in its most recent quarterly filing — above regulatory minimums.
How many branches does Sauk Valley Bank & Trust Company operate?
Sauk Valley Bank & Trust Company operates 9 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Sauk Valley Bank & Trust Company's Texas Ratio?
Sauk Valley Bank & Trust Company's Texas Ratio is 8.94% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.