C
Sauk Valley Bank & Trust Company
Rating Date
October 2025
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 6.50
Liquidity Index 2.50
Profitability Index 3.70
Stability Index 5.40
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 4.45%
5-Year Asset Growth 10.36%
5-Year Charge-Offs to Average Loans 0.11%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.94%
Non-Performing Loans to Capital 9.23%
Non-Performing Loans to Loans 1.24%
Balance Sheet Sauk Valley Bank & Trust Company
Sterling, IL
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Total Assets 730.20M
Total Deposits 611.86M
Capital and Reserves Sauk Valley Bank & Trust Company
Sterling, IL
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Capital 57.21M
Leverage Ratio 8.53
Loan Loss Reserves to Loans 1.32%
Risk-Based Capital Ratio 12.37
Liquidity Sauk Valley Bank & Trust Company
Sterling, IL
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Hot Money Ratio 14.68%
Liquidity Ratio 16.15%
Profitability Sauk Valley Bank & Trust Company
Sterling, IL
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5-Year Return on Average Assets 0.73%
Net Income 3.89M
Net Interest Spread 3.46%
Operating Profit to Average Assets 0.95%
Overhead Efficiency Ratio 71.41%
Return on Assets 0.72%
Return on Equity 9.65%