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Sauk Valley Bank And Trust Company

IDRSSD: 2797162
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2024-Q3QoQ -6

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q3

Bank #2797162 2024-Q3 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Stable
Reserves:Watch

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q2 2024:
↓ -6 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↓ -14
  • Reserves
    ↓ -14

The five pillars

Liquidity

StableQoQ +4
74
Sub-score

Liquidity is stable: brokered 9.3%, loans/deposits 80.5%, cash 3.4% of assets.

Cash / Assets
3.41%
Loans / Deposits
80.52%
Brokered %
9.31%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.63%
No watch items at this period.

Capitalization

StableQoQ -4
60
Sub-score

Capital position is stable: Tier 1 RBC 10.89%, CET1 10.89%, leverage 8.36%.

Tier 1 RBC
10.89%
CET1
10.89%
Leverage
8.36%
No watch items at this period.

Asset Quality

StableQoQ -14
76
Sub-score

Asset quality is stable: Adjusted NPL 1.88%, Texas Ratio 13.9%, NCO YTD -0.01%.

Adjusted NPL
1.88%
Govt-guarantees stripped
Texas Ratio
13.9%
NCO YTD
-0.01%
30-89 PD
1.09%
Band 0.3% / 3.0%
90+ PD
0.79%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -14
49
Sub-score

Reserves are deteriorating: ALLL 1.28% of loans, coverage 69.1%, true coverage 69.0%.

ALLL / Loans
1.28%
Coverage
69.1%
True Loss Coverage
69.0%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 13:40:06 UTC