Sauk Valley Bank&Trust Co
Sterling, Illinois · FDIC Cert #35131
Sauk Valley Bank&Trust Co is an FDIC-insured bank (Certificate #35131) with $671M in total assets and $580M in total deposits as of the Q2 2024 Call Report. Headquartered in Sterling, Illinois, the bank maintains a Tier 1 capital ratio of 11.15% (Well-Capitalized) and a nonperforming loan ratio of 1.24%. BankHealthData assigns a composite Health Grade of B (73/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Sauk Valley Bank&Trust Co (FDIC cert 35131) is a community bank — $671M in total assets, $580M in deposits, serving the Sterling, Illinois area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 11.15% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 1.24% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 25.2% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 0.83% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Sauk Valley Bank&Trust Co carries a composite BankHealth grade of B (73/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Sauk Valley Bank&Trust Co
- Total Assets
- $671M
- Total Deposits
- $580M
- Tier 1 Capital Ratio
- 11.15%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.24%
- Liquidity Ratio
- 25.19%
- Return on Assets
- 0.83%
- Headquarters
- Sterling, Illinois
- FDIC Certificate
- #35131
- Health Grade
- B (73/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Sauk Valley Bank&Trust Co holds a Tier 1 capital ratio of 11.15%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Sauk Valley Bank&Trust Co has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Sauk Valley Bank&Trust Co shows strong financial health indicators. With $671M in assets and a Health Score of 73/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Sauk Valley Bank&Trust Co Compares
Sauk Valley Bank&Trust Co’s Health Score of 73 is 1 points above the Illinois state average of 72 across 333 FDIC-insured banks. Its 11.15% Tier 1 capital ratio is 2.9 points below the US banking industry average near 14%. The 1.24% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.83% is below the national ROA benchmark of ~1.1%. Among 1292 similarly-sized banks, the average Health Score is 70, meaning this bank ranks above its size cohort. Site-wide, Sauk Valley Bank&Trust Co is 3 points above the portfolio average of 70.
Frequently Asked Questions
Sauk Valley Bank&Trust Co has a Bank Health Score of B (73/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 11.15%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Sauk Valley Bank&Trust Co's Tier 1 capital ratio of 11.15% and nonperforming loan ratio of 1.24% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Sauk Valley Bank&Trust Co is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #35131). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Sauk Valley Bank&Trust Co holds $671M in total assets and $580M in total deposits. It is headquartered in Sterling, Illinois (FDIC Certificate #35131).
Sauk Valley Bank&Trust Co has a Tier 1 capital ratio of 11.15%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.24%, and the return on assets is 0.83%.
Yes. Sauk Valley Bank&Trust Co is FDIC-insured (Certificate #35131). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Sauk Valley Bank&Trust Co's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.