Sauk Valley Bank & Trust Company
Sterling, IL
IDRSSD: 2797162
Total Assets
$736.22M
Latest filing
Total Deposits
$616.07M
Latest filing
Net Interest Margin
4.23%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
071125891STERLING, IL
Key People
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Locations
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Main Office
Sauk Valley Bank & Trust Company
201 W 3rd St
Sterling, IL 61081
Full Service - Brick and Mortar
Updated 01/30/2026Established 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 | 144 |
| 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 | 01/30/2026 |
| CERT | 35131 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $736.22M |
| Total Deposits | $616.07M |
| Total Liabilities | $677.01M |
| Total Equity Capital | $59.21M |
| Net Income | $2.03M |
| Net Loans and Leases | $532.63M |
| Assets Per Employee ($Millions) | $5.01M |
| Bank Premises and Fixed Assets | $10.93M |
| Cash and Balances due from Depository Institutions | $12.95M |
| Deposits Held in Domestic Offices | $616.07M |
Key Performance Ratios
| Return on Assets (ROA) | 1.11% |
| Return on Equity (ROE) | 13.97% |
| Net Interest Margin | 4.23% |
| Efficiency Ratio | 62.37% |
| Tier 1 Risk-Based Capital Ratio | 11.263% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.13% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.042% |
| Earning Assets to total Assets | 94.04% |
Income and Expense
| Total Interest Income | $10.95M |
| Total Noninterest Income | $915.00k |
| Total Interest Expense | $3.63M |
| Total Noninterest Expense | $5.15M |
| Net Interest Income | $7.32M |
| Pre-tax Net Operating Income | $2.85M |
| Provision for Credit Losses | $232.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $300.00k |
| Other borrowed funds | $50.97M |
| Federal Funds Sold & Reverse Repurchase Agreement | $927.00k |
| Federal Funds Purchased and Repurchased Agreement | $4.23M |
| All Other Liabilities | $5.74M |
| Total Liabilities and Capital | $736.22M |
Securities
| Securities | $156.98M |
| Available-for-sale debt securities | $156.23M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$736.22M as of the latest filing.
How much are Sauk Valley Bank & Trust Company's total deposits?
$616.07M in total deposits.
Where is Sauk Valley Bank & Trust Company located?
Sterling, IL.
What is the Net Interest Margin?
4.23%.
How many domestic offices does it operate?
10.
When was it established?
07/09/1999.
What is the Return on Assets (ROA)?
1.11%.
How much are total loans and leases?
$532.63M (latest filing).
What is the total interest income (latest filing)?
$10.95M.