C
Sauk Valley Bank & Trust Company
Rating Date
June 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 4.70
Capitalization Index 6.70
Liquidity Index 1.90
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 7.47%
5-Year Asset Growth 5.47%
5-Year Charge-Offs to Average Loans 0.08%
Charge-Offs to Average Loans -0.11%
Non-Performing Assets to Assets 0.82%
Non-Performing Loans to Capital 7.80%
Non-Performing Loans to Loans 1.03%
Balance Sheet Sauk Valley Bank & Trust Company
Sterling, IL
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Total Assets 748.53M
Total Deposits 623.41M
Capital and Reserves Sauk Valley Bank & Trust Company
Sterling, IL
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Capital 59.03M
Leverage Ratio 8.72
Loan Loss Reserves to Loans 1.37%
Risk-Based Capital Ratio 12.49
Liquidity Sauk Valley Bank & Trust Company
Sterling, IL
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Hot Money Ratio 14.70%
Liquidity Ratio 16.41%
Profitability Sauk Valley Bank & Trust Company
Sterling, IL
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5-Year Return on Average Assets 0.73%
Net Income 1.50M
Net Interest Spread 3.83%
Operating Profit to Average Assets 1.06%
Overhead Efficiency Ratio 71.16%
Return on Assets 0.79%
Return on Equity 10.12%