TellerScore

Headquartered in Sterling, Illinois, Sauk Valley Bank & Trust Company is a state-chartered bank with $790.8M in total assets and $670.1M in deposits as of Q2 2026. It operates 11 offices across 2 states. Its charter dates back to 1999.

Sauk Valley Bank & Trust Company has a TellerScore of 57 out of 100 (moderate) based on Q2 2026 data — higher than only 14% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 264th. Problem-loan coverage contributes the most (86/100, 7.1%); capital cushion contributes the least (38/100, 8.84%).

TellerScore · Q2 2026

Scorecard

Capital cushion38/100
Tier 1 leverage ratio: 8.84%
Loan quality71/100
Noncurrent loans ÷ total loans: 0.87%
Earnings52/100
Return on assets (annualized): 0.81%
Funding & liquidity59/100
Loans ÷ deposits and uninsured-deposit share: 80.9% · 33.5% uninsured
Problem-loan coverage86/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 7.07%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 5 points (52 → 57), mostly because the loan quality component improved by 13 points.

TellerScore
515457Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202452
Q3 202451
Q4 202452
Q1 202555
Q2 202552
Q3 202552
Q4 202554
Q1 202655
Q2 202657
Tier 1 leverage ratio
5.00%6.92%8.84%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.49%
Q3 20248.37%
Q4 20248.79%
Q1 20258.80%
Q2 20258.78%
Q3 20258.53%
Q4 20258.83%
Q1 20268.72%
Q2 20268.84%
Noncurrent loans
0.87%1.08%1.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.24%
Q3 20241.29%
Q4 20241.22%
Q1 20250.99%
Q2 20251.26%
Q3 20251.24%
Q4 20251.12%
Q1 20261.03%
Q2 20260.87%
Return on assets
0.64%0.73%0.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.64%
Q3 20240.66%
Q4 20240.68%
Q1 20250.65%
Q2 20250.71%
Q3 20250.73%
Q4 20250.82%
Q1 20260.80%
Q2 20260.81%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202657$790.8M8.84%0.87%0.81%80.9%
Q1 202655$748.5M8.72%1.03%0.80%87.8%
Q4 202554$748.2M8.83%1.12%0.82%88.4%
Q3 202552$730.2M8.53%1.24%0.73%85.1%
Q2 202552$731.8M8.78%1.26%0.71%82.8%
Q1 202555$696.5M8.80%0.99%0.65%83.4%
Q4 202452$685.2M8.79%1.22%0.68%83.6%
Q3 202451$699.1M8.37%1.29%0.66%80.5%
Q2 202452$671.2M8.49%1.24%0.64%81.0%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.84%
10th
Total risk-based capital12.74%
55th
Problem loans0.87%
31st
Net charge-offs-0.04%
95th
Return on assets0.81%
24th
Net interest margin4.01%
54th
Efficiency ratio71.0%
28th
Loans to deposits80.9%
48th
Uninsured deposits33.5%
20th
Loan-loss reserves1.40%
72nd
Texas ratio7.1%
26th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
First Savings Bank of HegewischBank Chicago, IL84 out of 100, Strong$787.0M14.9%0.06%vs
Home State Bank, National AssociationBank Crystal Lake, IL82 out of 100, Strong$776.0M11.8%0.07%vs
Itasca Bank & Trust Co.Bank Itasca, IL71 out of 100, Strong$770.8M10.6%0.28%vs
CIBM BankBank Champaign, IL53 out of 100, Below average$819.7M9.9%1.08%vs
Prairie State Bank and TrustBank Springfield, IL80 out of 100, Strong$840.1M12.4%0.52%vs
Millennium BankBank Des Plaines, IL33 out of 100, Low$844.5M9.4%4.37%vs

Deposit insurance

Is my money safe at Sauk Valley Bank & Trust Company?

Yes. Sauk Valley Bank & Trust Company is an FDIC-insured institution (FDIC certificate #35131). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 33.5% of deposits ($224.6M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.84%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.74% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

Sauk Valley Bank & Trust Company lists 9 offices in 6 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Sauk Valley Bank & Trust Company reported 277 home-loan applications under HMDA (LEI 549300B6UWNP01JH6452): 227 originated ($40,265,000 total), 22 denied, and 26 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Sauk Valley Bank & Trust Company
Type
State-chartered bank
FDIC certificate #
35131
RSSD ID
2797162
Primary regulator
FDIC
Holding company
Sv Financial Inc
Established
July 9, 1999
Headquarters
201 W 3rd St, Sterling, IL 61081
Employees
140

Quick answers

Sauk Valley Bank & Trust Company: common questions

Is Sauk Valley Bank & Trust Company FDIC insured?

Yes. Sauk Valley Bank & Trust Company is an FDIC-insured institution (FDIC certificate #35131). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Sauk Valley Bank & Trust Company's TellerScore?

57 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Sauk Valley Bank & Trust Company ever failed?

There is no failure record for FDIC certificate #35131 in the FDIC failed bank list.

How many branches does Sauk Valley Bank & Trust Company have?

11 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Sterling

InstitutionScoreAssetsCapitalProblem loansCompare
Ottawa Hiway Credit UnionCredit union Ottawa, IL100 out of 100, Very strong$16.3M16.7%0.00%vs
Farmers National BankBank Prophetstown, IL88 out of 100, Very strong$895.7M15.0%0.23%vs
Select Employees Credit UnionCredit union Sterling, IL86 out of 100, Very strong$78.6M12.6%0.26%vs
1st Gateway Credit UnionCredit union Camanche, IA80 out of 100, Strong$170.9M14.1%0.35%vs
Blackhawk Area Credit UnionCredit union Savanna, IL79 out of 100, Strong$39.1M13.4%0.13%vs
The First National Bank in AmboyBank Amboy, IL78 out of 100, Strong$324.5M10.7%0.04%vs