Total Assets
$790.8M
Total Deposits
$670.1M
Branches
10
Established
1999
Sauk Valley Bank & Trust Company is a bank headquartered in Sterling, Illinois, established in 1999. It holds $790.8M in total assets across 10 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Sauk Valley Bank & Trust Company earns a TFS Financial Health Grade of B- (73.9/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
73.9 / 100
Good financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
Watching Sauk Valley Bank & Trust Company?
Get a free alert the moment its TFS financial-health grade changes. No spam, ever.
Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Sauk Valley Bank & Trust CompanyHQ | 201 W 3rd St | Sterling | IL | 11 |
| Sauk Valley Bank & Trust Company | 300 Walton Dr | Dixon | IL | 11 |
| Sauk Valley Bank & Trust Company | 224 N Galena Ave | Dixon | IL | 11 |
| Sauk Valley Bank & Trust Company | 1075 S Division St | Harvard | IL | 11 |
| Sauk Valley Bank & Trust Company | 904 1st Ave | Rock Falls | IL | 11 |
| Sauk Valley Bank & Trust Company | 2403 Locust St | Sterling | IL | 11 |
| Sauk Valley Bank & Trust Company | 3319 E Lincolnway | Sterling | IL | 11 |
| Sauk Valley Bank & Trust Company | 201 W 3rd St | Sterling | IL | 29 |
| Sauk Valley Bank & Trust Company | 2509 Morse St | Janesville | WI | 24 |
| Sauk Valley Bank & Trust Company | 2107 Foster Avenue | Janesville | WI | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
73.9
Tier 1 capital ratio
8.84%
Return on assets
0.81%
Non-performing loans
0.87%
Efficiency ratio
71.03%
Asset growth (YoY)
8.05%
Suggested direct comparisons
Chicago, IL
$178.6B
Itasca, IL
$770.8M
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.