Side-by-side · Q2 2026 data
CIBM Bank vs Sauk Valley Bank & Trust Company
Metric by metric
| Measure | CIBM Bank | Sauk Valley Bank & Trust Company |
|---|---|---|
| TellerScore | 53 | 57 (stronger) |
| Capital cushion | 49 (stronger) | 38 |
| Loan quality | 64 | 71 (stronger) |
| Earnings | 39 | 52 (stronger) |
| Funding & liquidity | 40 | 59 (stronger) |
| Problem-loan coverage | 84 | 86 (stronger) |
| Peer percentile | 9th | 14th |
| Total assets | $819.7M | $790.8M |
| Deposits / shares | $669.0M | $670.1M |
| Capital ratio | 9.91% (stronger) | 8.84% |
| Problem loans | 1.08% | 0.87% (stronger) |
| Net charge-offs | 0.20% | -0.04% (stronger) |
| Return on assets | 0.48% | 0.81% (stronger) |
| Loans ÷ deposits | 98.6% | 80.9% (stronger) |
| Uninsured deposits | 34.2% | 33.5% (stronger) |
| Offices | 9 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.6% | 8.8% |
Sauk Valley Bank & Trust Company has the higher TellerScore (57 vs 53). On the 7 directional measures above (where higher or lower is clearly better), CIBM Bank leads on 1 and Sauk Valley Bank & Trust Company on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.