Sauk Valley Bank & Trust Company: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Retained earnings rose 2.9% from Q1 2026 to Q2 2026, ending at $42.3M against $41.1M. It was the largest change among the key lines on this page. Within Illinois, Sauk Valley Bank & Trust Company is 164th of 198 on CET1 ratio, 11.49% as of Q2 2026, below the middle of the field. Sauk Valley Bank & Trust Company reported 11.49% on CET1 ratio for Q2 2026, 3.58 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.49% |
| Tier 1 risk-based capital ratio | 11.49% |
| Total risk-based capital ratio | 12.74% |
| Tier 1 leverage ratio | 8.84% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $67.1M |
| Tier 1 capital | $67.1M |
| Total risk-based capital | $74.4M |
| Total equity capital | $60.4M |
| Risk-weighted assets | $584.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.63% |
| Tangible equity to tangible assets | 7.61% |
| Equity capital to average assets | 7.95% |
| Internal capital growth rate | 8.03% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $912K |
| Common stock surplus | $24.1M |
| Retained earnings | $42.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.9M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.76% | 11.76% | 13.04% | 8.47% | $467.3M |
| Q4 2023 | 11.43% | 11.43% | 12.65% | 8.52% | $490.7M |
| Q1 2024 | 11.08% | 11.08% | 12.26% | 8.42% | $511.1M |
| Q2 2024 | 11.15% | 11.15% | 12.44% | 8.49% | $520.8M |
| Q3 2024 | 10.90% | 10.90% | 12.06% | 8.37% | $544.8M |
| Q4 2024 | 11.21% | 11.21% | 12.37% | 8.79% | $545.9M |
| Q1 2025 | 11.19% | 11.19% | 12.38% | 8.80% | $550.4M |
| Q2 2025 | 11.09% | 11.09% | 12.30% | 8.78% | $567.2M |
| Q3 2025 | 11.15% | 11.15% | 12.37% | 8.53% | $572.7M |
| Q4 2025 | 11.31% | 11.31% | 12.56% | 8.83% | $579.1M |
| Q1 2026 | 11.24% | 11.24% | 12.49% | 8.72% | $586.7M |
| Q2 2026 | 11.49% | 11.49% | 12.74% | 8.84% | $584.3M |
Sauk Valley Bank & Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Sauk Valley Bank & Trust Company, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Sauk Valley Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35131) · FFIEC NIC profile (RSSD 2797162)