C
Sauk Valley Bank & Trust Company
Rating Date
March 2026
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
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Net
Income
Weiss Ratings Sauk Valley Bank & Trust Company
Sterling, IL
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Rating C
Asset Quality Index 4.60
Capitalization Index 6.80
Liquidity Index 2.10
Profitability Index 4.40
Stability Index 5.30
Company Info Sauk Valley Bank & Trust Company
Sterling, IL
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FDIC Number 35131
Phone Number (815) 626-5996
Website www.saukvalleybank.com
Asset Quality Sauk Valley Bank & Trust Company
Sterling, IL
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1-Year Asset Growth 9.20%
5-Year Asset Growth 5.47%
5-Year Charge-Offs to Average Loans 0.11%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.79%
Non-Performing Loans to Capital 8.51%
Non-Performing Loans to Loans 1.02%
Balance Sheet Sauk Valley Bank & Trust Company
Sterling, IL
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Total Assets 748.22M
Total Deposits 616.07M
Capital and Reserves Sauk Valley Bank & Trust Company
Sterling, IL
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Capital 59.21M
Leverage Ratio 8.83
Loan Loss Reserves to Loans 1.32%
Risk-Based Capital Ratio 12.56
Liquidity Sauk Valley Bank & Trust Company
Sterling, IL
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Hot Money Ratio 15.39%
Liquidity Ratio 16.80%
Profitability Sauk Valley Bank & Trust Company
Sterling, IL
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5-Year Return on Average Assets 0.73%
Net Income 5.92M
Net Interest Spread 3.63%
Operating Profit to Average Assets 1.10%
Overhead Efficiency Ratio 68.82%
Return on Assets 0.81%
Return on Equity 10.80%