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
Unfavorable gap of $19.4M · efficiency ratio beats 27% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.78% | 0.70% | 1.03% | 1.34% | Beats 30% | 105 / 151 | |
| Return on Equity | 10.24% | 6.74% | 9.34% | 12.94% | Beats 58% | 64 / 151 | |
| Net Interest Margin | 3.75% | 3.02% | 3.43% | 3.83% | Beats 72% | 42 / 151 | |
| Efficiency Ratio | 71.20% | 54.64% | 64.89% | 72.50% | Beats 27% | 111 / 151 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.87% | 0.20% | 0.66% | 1.77% | Beats 44% | 85 / 149 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.02% | 0.07% | Beats 66% | 52 / 149 | |
| Capital |
| Tier 1 Capital Ratio | 11.49% | 11.83% | 14.17% | 18.66% | Beats 19% | 122 / 151 | |
| Total Risk-Based Capital Ratio | 12.74% | 12.22% | 14.54% | 19.92% | Beats 32% | 102 / 151 | |
| Equity / Assets | 7.63% | 9.10% | 10.65% | 12.40% | Beats 9% | 137 / 151 | |
| Liquidity & Funding |
| Loans / Deposits | 82.02% | 54.39% | 71.02% | 80.75% | 77th pctl | 34 / 149 | |
| Loans / Assets | 69.50% | 45.91% | 61.31% | 68.01% | 77th pctl | 34 / 151 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |