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Sauk Valley Bank & Trust Company Locations & Branches Sterling, Illinois
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Sauk Valley Bank & Trust Company operates 10 branches from its headquarters in Sterling, IL, .
Sauk Valley Bank & Trust Company branch network
Its 10 branches span 2 states and 6 cities. The most are in ILLINOIS (8) and WISCONSIN (2). ILLINOIS holds 98.9% of its branch deposits. Sterling, IL has the most of its branches, 4. Its largest office by deposits is its main office in Sterling, IL, with $306.1M (45.7% of its branch deposits). On June 30, 2025 it had 9 branches, 1 fewer than in 2026.
Sauk Valley Bank & Trust Company at a glance
Its CET1 capital ratio was 11.49% at Q2 2026, above regulatory requirements.
- Total assets, Q2 2026
- $790.8M
- CET1 ratio, Q2 2026
- 11.49%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 041
- Established
- 1999
Full financial profile · Is Sauk Valley Bank & Trust Company safe? · Sauk Valley Bank & Trust Company call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Sterling, IL (4 branches) | 1 of 8 | 36.2% | $352.5M |
| State: IL (8 branches) | 82 of 379 | <0.1% | $662.8M |
Ranked by total assets among banks headquartered in the state: Largest banks in Illinois.
Share by county and metro area
Sauk Valley Bank & Trust Company's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Whiteside, IL (5 branches) | 1 of 13 | 23.7% | $484.9M | $2.05B |
| Lee, IL (2 branches) | 4 of 10 | 15.0% | $126.5M | $842.9M |
| Mchenry, IL (1 branch) | 22 of 24 | 0.5% | $51.5M | $9.84B |
| Rock, WI (1 branch) | 18 of 18 | 0.2% | $6.4M | $3.45B |
| Walworth, WI (1 branch) | 15 of 15 | <0.1% | $903K | $2.51B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Sterling, IL (5 branches) | 1 of 13 | 23.7% | $484.9M | $2.05B |
| Dixon, IL (2 branches) | 4 of 10 | 15.0% | $126.5M | $842.9M |
| Chicago-Naperville-Elgin, IL-IN-WI (1 branch) | 131 of 150 | <0.1% | $51.5M | $632.03B |
| Janesville-Beloit, WI (1 branch) | 18 of 18 | 0.2% | $6.4M | $3.45B |
| Whitewater, WI (1 branch) | 15 of 15 | <0.1% | $903K | $2.51B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 35131) · FFIEC NIC profile (RSSD 2797162)