C
Sauk Valley Bank & Trust Company
Rating Date
August 2026
Risk Based
Capital Ratio
Leverage
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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 4.90
Capitalization Index 6.80
Liquidity Index 2.50
Profitability Index 4.30
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 8.05%
5-Year Asset Growth 5.47%
5-Year Charge-Offs to Average Loans 0.08%
Charge-Offs to Average Loans -0.04%
Non-Performing Assets to Assets 0.61%
Non-Performing Loans to Capital 6.43%
Non-Performing Loans to Loans 0.87%
Balance Sheet Sauk Valley Bank & Trust Company
Sterling, IL
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Total Assets 790.76M
Total Deposits 670.09M
Capital and Reserves Sauk Valley Bank & Trust Company
Sterling, IL
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Capital 60.35M
Leverage Ratio 8.84
Loan Loss Reserves to Loans 1.40%
Risk-Based Capital Ratio 12.74
Liquidity Sauk Valley Bank & Trust Company
Sterling, IL
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Hot Money Ratio 13.58%
Liquidity Ratio 16.60%
Profitability Sauk Valley Bank & Trust Company
Sterling, IL
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5-Year Return on Average Assets 0.73%
Net Income 3.09M
Net Interest Spread 3.93%
Operating Profit to Average Assets 1.10%
Overhead Efficiency Ratio 71.20%
Return on Assets 0.81%
Return on Equity 10.40%