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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

$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

5.18%Q2 ’245.46%Q2 ’255.63%Q2 ’26+13%+13%

Non-interest income vs. expense

2.51%Q2 ’242.66%Q2 ’253.05%Q2 ’26+6%+17%

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 0.83%, up 5 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 0.87% of loans (-39 bps YoY), with net charge-offs at 0.03%.
  • 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 (quarter, annualized)

0.83%+5 bps YoY

Net Interest Margin (quarter, annualized)

3.85%+43 bps YoY

Efficiency Ratio (quarter, annualized)

71.08%+188 bps YoY

Tier 1 Leverage Ratio

8.84%+6 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.77%0.75%1.10%0.80%0.83%+5 bps
Return on Equity10.31%9.89%13.97%10.12%10.68%+37 bps
Net Interest Margin3.42%3.20%3.94%3.66%3.85%+43 bps
Efficiency Ratio69.20%71.53%62.37%70.99%71.08%+188 bps
Non-Interest Burden2.25%2.17%2.28%2.49%2.62%+37 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 / Loans0.01%-0.01%-0.01%-0.11%0.03%+2 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