Sauk Valley Bank & Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Sauk Valley Bank & Trust Company of Sterling, IL against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.84% | 1.34% | -0.50% | 25th below |
| ROAE | 10.68% | 13.32% | -2.64% | 40th below |
| Net Interest Margin | 4.03% | 3.93% | +0.10% | 55th above |
| Efficiency Ratio | 70.52% | 61.13% | +9.39% | 27th below |
| PPNR / Avg Assets | 1.23% | 1.68% | -0.45% | 30th below |
| Yield on Earning Assets | 5.88% | 5.67% | +0.21% | 63rd above |
| Cost of Funds | 2.17% | 1.88% | +0.29% | 27th below |
| Net Interest Spread | 3.58% | 3.32% | +0.26% | 63rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.87% | 0.94% | -0.07% | 31st below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.61% | 0.70% | -0.09% | 33rd below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.16% | -0.13% | 30th below |
| ACL / Total Loans | 1.40% | 1.28% | +0.12% | 72nd above |
| ACL / NPLs (Coverage) | 159.75% | 1539.83% | -1380.08% | 42nd below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 7.09% | 7.33% | -0.24% | 31st below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.49% | 19.51% | -8.02% | 12th bottom |
| Tier 1 Ratio | 11.49% | 19.55% | -8.06% | 12th bottom |
| Total Capital Ratio | 12.74% | 20.63% | -7.89% | 14th bottom |
| Leverage Ratio | 8.84% | 12.14% | -3.30% | 10th bottom |
| Equity / Assets | 7.63% | 11.38% | -3.75% | 10th bottom |
| TCE / Tangible Assets | 7.61% | 11.10% | -3.49% | 12th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.02% | 80.64% | +1.38% | 47th below |
| Core Deposit Ratio | 84.87% | 86.86% | -1.99% | 30th below |
| Wholesale Funding Ratio | 6.99% | 5.03% | +1.96% | 26th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.05% | 6.85% | +1.20% | 75th top |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.60% | 7.90% | -2.30% | 51st above |
| Deposit Growth (Y/Y) | 7.97% | 6.29% | +1.68% | 76th top |
See Sauk Valley Bank & Trust Company's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Sauk Valley Bank & Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Sauk Valley Bank & Trust Company profile, how to read a UBPR, or how this data updates.