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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 — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2025-Q2QoQ 0

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

Quarterly Headline

2025-Q2

Bank #2797162 2025-Q2 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q1 2025:
↑ 0 ptscomposite
  • Liquidity
    ↑ +7
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ 0
  • Reserves
    ↓ -6

The five pillars

Liquidity

StableQoQ +7
74
Sub-score

Liquidity is stable: brokered 9.7%, loans/deposits 82.8%, cash 4.2% of assets.

Cash / Assets
4.22%
Loans / Deposits
82.76%
Brokered %
9.68%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.34%
No watch items at this period.

Capitalization

StableQoQ -1
64
Sub-score

Capital position is stable: Tier 1 RBC 11.09%, CET1 11.09%, leverage 8.78%.

Tier 1 RBC
11.09%
CET1
11.09%
Leverage
8.78%
No watch items at this period.

Asset Quality

StrongQoQ 0
87
Sub-score

Asset quality is strong: Adjusted NPL 1.28%, Texas Ratio 9.4%, NCO YTD 0.01%.

Adjusted NPL
1.28%
Govt-guarantees stripped
Texas Ratio
9.4%
NCO YTD
0.01%
30-89 PD
0.41%
Band 0.3% / 3.0%
90+ PD
0.67%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -6
73
Sub-score

Reserves are stable: ALLL 1.32% of loans, coverage 104.5%, true coverage 104.3%.

ALLL / Loans
1.32%
Coverage
104.5%
True Loss Coverage
104.3%
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