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Sauk Valley Bank & Trust Company
Sterling, IL · FDIC Certificate #35131 · Chartered 07/0
Total assets
$790.75M
Total deposits
$670.09M
Total equity
$60.35M
Net loans
$541.90M
Branches (offices)
10
Net income (YTD)
$3.09M
Rank: #1,266 of 4,213 U.S. banks by assets · #64 of 322 in Illinois. Assets changed 8.1% and deposits 8.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.81% |
| Return on equity | 10.38% |
| Net interest margin (YTD) | 4.01% |
| Equity to assets | 7.63% |
| Tier 1 leverage ratio | 8.84% |
| Uninsured deposits (share of deposits) | 33.5% |
| Noncurrent loans (share of loans) | 0.87% |
| Net charge-offs (share of loans) | -0.04% |
| Loans to deposits | 80.9% |
| Real estate loans (share of loans) | 58.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $314.96M | 58.1% | |
| Commercial & industrial | $135.90M | 25.1% | |
| Consumer / individual | $2.43M | 0.4% | |
| Construction & development | $11.27M | 2.1% | |
| Agricultural | $95.67M | 17.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $612.27M | $559.08M | $2.36M | $40.31M |
| Jun 2023 | $635.31M | $555.05M | $1.66M | $41.88M |
| Jun 2024 | $671.23M | $580.38M | $2.11M | $47.16M |
| Jun 2025 | $731.84M | $620.61M | $2.51M | $54.21M |
| Jun 2026 | $790.75M | $670.09M | $3.09M | $60.35M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $662.82M | 8 |
| Wisconsin | $7.27M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $670.09M.
Similar-sized banks
First Western Bank ($792.66M) · Farmers State Bank ($790.33M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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