Visbanking Logo
Skip to main content

Sauk Valley Bank And Trust Company

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

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2026-Q1QoQ -1

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

Quarterly Headline

2026-Q1

Bank #2797162 2026-Q1 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.72% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -3
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ -1
66
Sub-score

Liquidity is stable: brokered 10.5%, loans/deposits 87.8%, cash 1.7% of assets.

Cash / Assets
1.72%
Loans / Deposits
87.79%
Brokered %
10.55%

Watch Items

  • watchCash / Assets below 3% — Cash 1.72% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.20%
No watch items at this period.

Capitalization

StableQoQ -1
66
Sub-score

Capital position is stable: Tier 1 RBC 11.24%, CET1 11.24%, leverage 8.71%.

Tier 1 RBC
11.24%
CET1
11.24%
Leverage
8.71%
No watch items at this period.

Asset Quality

StrongQoQ -3
82
Sub-score

Asset quality is strong: Adjusted NPL 1.05%, Texas Ratio 7.8%, NCO YTD -0.11%.

Adjusted NPL
1.05%
Govt-guarantees stripped
Texas Ratio
7.8%
NCO YTD
-0.11%
30-89 PD
2.45%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +1
80
Sub-score

Reserves are strong: ALLL 1.37% of loans, coverage 132.3%, true coverage 132.0%.

ALLL / Loans
1.37%
Coverage
132.3%
True Loss Coverage
132.0%
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