Sauk Valley Bank & Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Sauk Valley Bank & Trust Company is an FDIC-insured commercial bank headquartered in Sterling, IL, established in 1999 (FDIC certificate 35131), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $790.8M, up 8.1% from Q2 2025, the 63rd largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 11.49% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 35131
- Headquarters
- Sterling, IL
- Established
- 1999
- Total assets, Q2 2026
- $790.8M
- Assets vs Q2 2025
- +8.1%
- CET1 ratio, Q2 2026
- 11.49%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 071125891
- Latest call report
- Q2 2026, FFIEC 041 · Sauk Valley Bank & Trust Company call report
- Holding company
- SV FINANCIAL, INC.
- Asset rank in state
- 63rd of 319 in Illinois
Sauk Valley Bank & Trust Company operates with a thinner capital cushion than most banks of its size. The Sterling, Illinois bank had $791 million in assets at June 30, 2026, up 8.1% from a year earlier. It funds 8.84% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also earns about $0.84 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.28).
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.87% of loans, down from 1.26% a year earlier. Net income for the quarter rose 15% from a year earlier, to $1.6 million.
As of June 30, 2026, Sauk Valley Bank & Trust Company reported a CET1 capital ratio of 11.49%, a return on assets of 0.84%, a nonperforming-loan ratio of 0.87% and a Texas ratio of 7.08%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Sauk Valley Bank & Trust Company is the 63rd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 5.6% to $790.8M, loans fell 0.9% and deposits rose 7.5%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 24.7% of total loans, ahead of agricultural production loans at 17.4%. Its 10 offices in the FDIC Summary of Deposits are in 6 cities across 2 states; its Sterling 4 offices book 53% of its branch deposits. By the capital ratios in its Q2 2026 call report, Sauk Valley Bank & Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 201 W 3rd St, Sterling, IL 61081
- County
- Whiteside
- Metro Area
- Sterling, IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- July 9, 1999
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 140
- Domestic deposits
- $670.1M
- Allowance for credit losses
- $7.7M
- Net charge-offs (YTD)
- -$111K
- Average total assets
- $759.6M
- Average total loans
- $548.8M
- Average interest-bearing deposits
- $460.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 9, 1999
- FDIC Cert
- 35131
- Fed RSSD
- 2797162
- Website
- www.saukvalleybank.com →
- Parent Holding Company
- SV FINANCIAL, INC. (RSSD 3093919)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Sauk Valley Bank & Trust Company's total assets ran between $639.5M (Q3 2023) and $790.8M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$790.8M total assets against $731.8M; $730.4M total liabilities against $677.6M.
$541.9M net loans and leases against $513.6M; $670.1M total deposits against $620.6M.
$153.8M securities against $153.7M; $62.1M cash and balances due against $32.0M.
$10.7M total interest income against $9.8M; $3.4M total interest expense against $3.7M.
$7.3M net interest income against $6.1M.
$828K total noninterest income against $740K; $5.8M total noninterest expense against $4.8M.
$100K provision for credit losses against $250K.
$1.6M net income against $1.4M.
0.84% return on assets against 0.77%; 4.03% net interest margin against 3.60%.
11.49% CET1 capital ratio against 11.09%; 8.84% tier 1 leverage ratio against 8.78%.
Inside the full Sauk Valley Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSauk Valley Bank & Trust Company rankings
Its closest position to the top of a national ranking is 938 of 3,640, for Texas Ratio; its furthest is 1,849 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.64% (Q1 2025) to 1.10% (Q4 2025) and its net interest margin ran from 3.26% (Q3 2024) to 4.13% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.49% | 0.84% | 0.87% | 7.08% | 4.03% |
| Q1 2026 | 11.24% | 0.79% | 1.03% | 9.19% | 3.83% |
| Q4 2025 | 11.31% | 1.10% | 1.12% | 9.78% | 4.13% |
| Q3 2025 | 11.15% | 0.74% | 1.24% | 10.68% | 3.36% |
| Q2 2025 | 11.09% | 0.77% | 1.26% | 11.28% | 3.60% |
| Q1 2025 | 11.19% | 0.64% | 0.99% | 8.32% | 3.44% |
| Q4 2024 | 11.21% | 0.70% | 1.22% | 10.63% | 3.39% |
| Q3 2024 | 10.90% | 0.69% | 1.29% | 11.02% | 3.26% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Sauk Valley Bank & Trust Company (main office) | Sterling , IL | 61081 | $306.1M |
| Rock Falls Branch | Rock Falls , IL | 61071 | $132.3M |
| Dixon Branch | Dixon , IL | 61021 | $110.0M |
| Sauk Valley Bank and Trust Company - Harvard Branch | Harvard , IL | 60033 | $51.5M |
| 3319 E. Lincolnway, Sterling Il Branch | Sterling , IL | 61081 | $31.1M |
| Dixon North Branch | Dixon , IL | 61021 | $16.4M |
| Sterling North Branch | Sterling , IL | 61081 | $15.3M |
| Janesville Branch | Janesville , WI | 53545 | $6.4M |
| Walworth Branch | Walworth , WI | 53184 | $903K |
| Mobile Branch in Sterling Il | Sterling , IL | 61081 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 82 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 281 applications, 227 loans originated, $40.3M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $315K approved, $315K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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 Q2 2026 filing, Sauk Valley Bank & Trust Company reported total assets of $790.8 million in its FFIEC call report.
Where is Sauk Valley Bank & Trust Company headquartered?
It is headquartered in Sterling, IL, United States.
When was Sauk Valley Bank & Trust Company founded?
It was established in 1999, per the FDIC institution directory.
Is Sauk Valley Bank & Trust Company FDIC-insured?
Yes. It 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.
What is Sauk Valley Bank & Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.49% in its Q2 2026 call report, above regulatory requirements.
How many branches does Sauk Valley Bank & Trust Company operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Sauk Valley Bank & Trust Company's Texas Ratio?
Its Texas Ratio is 7.08% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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