Banks · Illinois

Sauk Valley Bank & Trust Company

Sterling, IL · FDIC Certificate #35131 · Chartered 07/0

Total assets

$790.75M

Total deposits

$670.09M

Total equity

$60.35M

Net loans

$541.90M

Branches (offices)

Net income (YTD)

$3.09M

Rank: #1,266 of 4,213 U.S. banks by assets · #64 of 322 in Illinois. Assets changed 8.1% and deposits 8.0% over the year to June 30, 2026.

Key ratios

Return on assets (YTD, annualized by FDIC)	0.81%
Return on equity	10.38%
Net interest margin (YTD)	4.01%
Equity to assets	7.63%
Tier 1 leverage ratio	8.84%
Uninsured deposits (share of deposits)	33.5%
Noncurrent loans (share of loans)	0.87%
Net charge-offs (share of loans)	-0.04%
Loans to deposits	80.9%
Real estate loans (share of loans)	58.1%

Loan mix

Category	Amount	Share
Real estate loans	$314.96M	58.1%
Commercial & industrial	$135.90M	25.1%
Consumer / individual	$2.43M	0.4%
Construction & development	$11.27M	2.1%
Agricultural	$95.67M	17.7%

Five-year trend (June snapshots)

Period	Total assets	Deposits	Net income (year to date)	Equity / net worth
Jun 2022	$612.27M	$559.08M	$2.36M	$40.31M
Jun 2023	$635.31M	$555.05M	$1.66M	$41.88M
Jun 2024	$671.23M	$580.38M	$2.11M	$47.16M
Jun 2025	$731.84M	$620.61M	$2.51M	$54.21M
Jun 2026	$790.75M	$670.09M	$3.09M	$60.35M

Where its branch deposits sit (FDIC Summary of Deposits)

State	Branch deposits	Offices
Illinois	$662.82M	8
Wisconsin	$7.27M	2

Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $670.09M.

Similar-sized banks

First Western Bank ($792.66M) · Farmers State Bank ($790.33M)

Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.