Sauk Valley Bank & Trust Company: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 26.73 percentage points lower than in Q1 2026, at 125.44%. Sauk Valley Bank & Trust Company ranks 115th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 82.02% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio; Sauk Valley Bank & Trust Company reported 82.02% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $549.6M |
| Net loans and leases | $541.9M |
| Loans held for sale | $1.1M |
| Loans to total assets | 69.50% |
| Loan-to-deposit ratio | 82.02% |
| Net loans to equity capital | 8.98% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.52% |
| Multifamily (5+ residential) | 5.34% |
| Commercial and industrial | 24.73% |
| Consumer | 0.44% |
| Credit cards | 0.00% |
| Farm | 10.36% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 125.44% |
| Construction concentration (Tier 1 capital + allowance) | 15.07% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.69% |
| Interest income on loans | $9.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $417.2M | $536.9M | 20.40% | 23.54% | 0.58% |
| Q4 2023 | $444.0M | $545.3M | 21.09% | 23.19% | 0.58% |
| Q1 2024 | $462.3M | $558.0M | 21.10% | 24.23% | 0.56% |
| Q2 2024 | $476.1M | $580.4M | 20.62% | 26.04% | 0.54% |
| Q3 2024 | $490.8M | $601.7M | 20.56% | 26.36% | 0.51% |
| Q4 2024 | $493.7M | $582.9M | 21.82% | 23.67% | 0.54% |
| Q1 2025 | $499.5M | $591.0M | 21.12% | 23.10% | 0.46% |
| Q2 2025 | $520.5M | $620.6M | 20.89% | 23.72% | 0.53% |
| Q3 2025 | $527.7M | $611.9M | 22.24% | 22.74% | 0.48% |
| Q4 2025 | $551.9M | $616.1M | 22.01% | 23.35% | 0.49% |
| Q1 2026 | $554.8M | $623.4M | 22.01% | 21.70% | 0.43% |
| Q2 2026 | $549.6M | $670.1M | 22.52% | 24.73% | 0.44% |
Sauk Valley Bank & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Sauk Valley Bank & Trust Company, freeSource: Call Report Schedule RC-C, 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)