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Sauk Valley Bank & Trust Company

Sterling, IL · Cert 35131 · SV Financial Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in IL3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in IL (n=149 to 151). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

20

Q2 2024Q2 2026peer median (50)

Asset Quality

55

Q2 2024Q2 2026peer median (50)

Profitability

53

Q2 2024Q2 2026peer median (50)

Liquidity

41

Q2 2024Q2 2026peer median

Efficiency

27

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Sauk Valley Bank & Trust Company

Sterling, IL · Cert 35131 · SV Financial Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$790.8MAssets
$549.6MLoans
$670.1MDeposits
$60.4MEquity
Loan mix
73%RE $332.7M26%C&I $120.4M1%Consumer $2.4MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $553.4M17%Noninterest $116.7MQ2 2025Q2 2026

NIM

5.06%Q2 ’245.31%Q2 ’255.52%Q2 ’26+12%+13%

Non-interest income vs. expense

2.51%Q2 ’242.65%Q2 ’252.96%Q2 ’26+6%+14%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #128 of 147 inst. · $0.1B of $630.7B

23.7% Whiteside
15.0% Lee
0.5% McHenry
0.2% Rock

Executive Summary

  • Earnings: ROA of 0.81%, up 10 bps year over year; NIM at 3.75%.
  • Asset quality: problem loans at 0.87% of loans (-39 bps YoY), with net recoveries of 0.04%.
  • Capital: tier 1 leverage ratio of 8.84%, up 6 bps from a year ago.
  • Funding: loans stand at 82.02% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.81%+10 bps YoY

Net Interest Margin (YTD, annualized)

3.75%+44 bps YoY

Efficiency Ratio (YTD, annualized)

71.03%-2 bps YoY

Tier 1 Leverage Ratio

8.84%+6 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.71%0.73%0.82%0.80%0.81%+10 bps
Return on Equity9.54%9.64%10.80%10.12%10.38%+83 bps
Net Interest Margin3.31%3.18%3.39%3.66%3.75%+44 bps
Efficiency Ratio71.06%71.21%68.64%70.99%71.03%-2 bps
Non-Interest Burden2.24%2.15%2.20%2.49%2.55%+31 bps
Growth
Asset Growth (YoY)9.03%4.45%9.20%7.47%8.05%-98 bps
Loan Growth (YoY)9.32%7.52%11.78%11.07%5.60%-372 bps
Deposit Growth (YoY)6.93%1.69%5.69%5.49%7.97%+104 bps
Asset Quality
Nonperforming Loans / Loans1.26%1.24%1.12%1.03%0.87%-39 bps
Net Charge-Offs / Loans0.02%0.01%0.00%-0.11%-0.04%-6 bps
Allowance / Loans1.32%1.32%1.32%1.37%1.40%+8 bps
Allowance Coverage of NPLs1.0x1.1x1.2x1.3x1.6x+0.6x
Capital
Tier 1 Leverage Ratio8.78%8.53%8.83%8.72%8.84%+6 bps
Total Risk-Based Capital12.30%12.37%12.56%12.49%12.74%+44 bps
Equity / Assets7.41%7.83%7.91%7.89%7.63%+23 bps
Liquidity & Funding
Loans / Deposits83.86%86.25%89.58%89.00%82.02%-185 bps
Liquid Assets / Assets2.87%1.40%0.31%0.95%2.27%-60 bps
CRE / Total Capitaln/a260%274%276%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Sauk Valley Bank & Trust Company

Sterling, IL · Cert 35131 · Peer group: banks under $1B in assets in IL (n=149-151) · SV Financial Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$790.8MAssets
$549.6MLoans
$670.1MDeposits
$60.4MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 72% of banks under $1B in assets in IL (rank 42 of 151).
  • Widest gap: equity / assets trails 91% of banks under $1B in assets in IL (rank 137 of 151).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.78%

Rank 105 of 151

Net Interest Margin

3.75%

Rank 42 of 151

Efficiency Ratio

71.20%

Rank 111 of 151

Equity / Assets

7.63%

Rank 137 of 151

Non-interest income vs. expense

$3.1M$22.5MINCOMEEXPENSE
Unfavorable gap of $19.4M · efficiency ratio beats 27% of banks under $1B in assets in IL
Bank 71.20%Peer median 64.9%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.78%0.70%1.03%1.34%Beats 30%105 / 151
Return on Equity10.24%6.74%9.34%12.94%Beats 58%64 / 151
Net Interest Margin3.75%3.02%3.43%3.83%Beats 72%42 / 151
Efficiency Ratio71.20%54.64%64.89%72.50%Beats 27%111 / 151
Asset Quality
Nonperforming Loans / Loans0.87%0.20%0.66%1.77%Beats 44%85 / 149
Net Charge-Offs / Loans0.01%0.00%0.02%0.07%Beats 66%52 / 149
Capital
Tier 1 Capital Ratio11.49%11.83%14.17%18.66%Beats 19%122 / 151
Total Risk-Based Capital Ratio12.74%12.22%14.54%19.92%Beats 32%102 / 151
Equity / Assets7.63%9.10%10.65%12.40%Beats 9%137 / 151
Liquidity & Funding
Loans / Deposits82.02%54.39%71.02%80.75%77th pctl34 / 149
Loans / Assets69.50%45.91%61.31%68.01%77th pctl34 / 151
Brokered Deposits / Depositsn/aNot reported for this institution