Sauk Valley Bank & Trust Company
Sterling, IL
IDRSSD: 2797162
Total Assets
$730.20M
Latest filing
Total Deposits
$611.86M
Latest filing
Net Interest Margin
3.46%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Sauk Valley Bank & Trust Company
201 W 3rd St
Sterling, IL 61081
Full Service - Brick and Mortar
Updated 11/14/2025Established 07/09/1999FDIC Certificate 74920
Branches (9)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Sauk Valley Bank & Trust Company (Main) | 201 W 3rd St | Sterling, IL |
| DIXON BRANCH | 300 Walton Dr | Dixon, IL |
| ROCK FALLS BRANCH | 904 1st Ave | Rock Falls, IL |
| 3319 E. LINCOLNWAY, STERLING IL BRANCH | 3319 E Lincolnway | Sterling, IL |
| MOBILE BRANCH IN STERLING IL | 201 W 3rd St | Sterling, IL |
| JANESVILLE LPO BRANCH | 2509 Morse St | Janesville, WI |
| SAUK VALLEY BANK AND TRUST COMPANY - HARVARD BRANCH | 1075 S Division St | Harvard, IL |
| DIXON NORTH BRANCH | 224 N Galena Ave | Dixon, IL |
Showing 7 of 9
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 07/09/1999 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 61081 |
| State and County Number | 17195 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Sterling, IL |
Operational Info
| Number of Employees | 138 |
| Domestic Offices | 10 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 07/09/1999 |
| Primary Insurance Agency | DIF |
| Website | www.saukvalleybank.com |
| Data Updated | 11/14/2025 |
| CERT | 35131 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $730.20M |
| Total Deposits | $611.86M |
| Total Liabilities | $672.99M |
| Total Equity Capital | $57.21M |
| Net Income | $1.38M |
| Net Loans and Leases | $520.73M |
| Assets Per Employee ($Millions) | $5.07M |
| Bank Premises and Fixed Assets | $10.52M |
| Cash and Balances due from Depository Institutions | $16.63M |
| Deposits Held in Domestic Offices | $611.86M |
Key Performance Ratios
| Return on Assets (ROA) | 0.75% |
| Return on Equity (ROE) | 9.89% |
| Net Interest Margin | 3.46% |
| Efficiency Ratio | 71.53% |
| Tier 1 Risk-Based Capital Ratio | 11.146% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.834% |
| Earning Assets to total Assets | 94.64% |
Income and Expense
| Total Interest Income | $10.00M |
| Total Noninterest Income | $787.00k |
| Total Interest Expense | $4.03M |
| Total Noninterest Expense | $4.85M |
| Net Interest Income | $5.98M |
| Pre-tax Net Operating Income | $1.81M |
| Provision for Credit Losses | $100.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $300.00k |
| Other borrowed funds | $51.28M |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.02M |
| Federal Funds Purchased and Repurchased Agreement | $4.19M |
| All Other Liabilities | $5.67M |
| Total Liabilities and Capital | $730.20M |
Securities
| Securities | $159.62M |
| Available-for-sale debt securities | $158.87M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $500.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Sauk Valley Bank & Trust Company?
$730.20M as of the latest filing.
How much are Sauk Valley Bank & Trust Company's total deposits?
$611.86M in total deposits.
Where is Sauk Valley Bank & Trust Company located?
Sterling, IL.
What is the Net Interest Margin?
3.46%.
How many domestic offices does it operate?
10.
When was it established?
07/09/1999.
What is the Return on Assets (ROA)?
0.75%.
How much are total loans and leases?
$520.73M (latest filing).
What is the total interest income (latest filing)?
$10.00M.