Banks | Sauk Valley Bank & Trust Company

Sauk Valley Bank & Trust Company


Sauk Valley Bank & Trust Company is an FDIC insured institution headquartered at 201 W 3rd St, Sterling, IL 61081.
It was founded in 1999 and has approximately $1 billion in assets. Customers can open an account at one of its 7 branches.

Deposit Rates - January 23, 2025

SAVINGS RATES APY MIN
Savings
0.05% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.30% $10,000 Compare
6 Mo CD
0.30% $100,000 Compare
12 Mo CD
0.55% $10,000 Compare
12 Mo CD
0.50% $100,000 Compare
18 Mo CD
0.55% $10,000 Compare
18 Mo CD
0.55% $100,000 Compare
24 Mo CD
0.75% $10,000 Compare
24 Mo CD
0.75% $100,000 Compare
30 Mo CD
0.75% $10,000 Compare
30 Mo CD
0.75% $100,000 Compare
36 Mo CD
0.90% $10,000 Compare
36 Mo CD
0.90% $100,000 Compare
48 Mo CD
0.95% $10,000 Compare
48 Mo CD
0.95% $100,000 Compare
60 Mo CD
1.15% $10,000 Compare
60 Mo CD
1.15% $100,000 Compare
MM RATES APY MIN
Money Market
0.08% $2,500 Compare
Money Market
0.20% $10,000 Compare
Money Market
0.20% $25,000 Compare
FIXED IRA RATES APY MIN
Fixed IRA
0.30% $1
INT CHECKING RATES APY MIN
Int Ckg
0.03% $2,500

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 35131
Date Established 1999
Assets $ 699.08 million
Loans $ 484.50 million
Deposits $ 601.68 million
Capital $ 51.20 million

Summary Balance Sheet as of September 30, 2024

ASSETS
Cash & Balances due from depository institutions $ 23.84 million
Interest-bearing balances $ 15.93 million
Total securities $ 159.20 million
Federal funds sold and reverse repurchase $ 0.25 million
Net loans and leases $ 484.50 million
Loan loss allowance $ 6.30 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 1.35 million
All other assets $ 14.71 million
     Total Assets $ 647.88 million

LIABILITIES
Total deposits $ 601.68 million
      Interest-bearing deposits $ 490.56 million
      Deposits held in domestic offices $ 601.68 million
      % insured (estimated) 69.92%
Federal funds purchased and repurchase agreements $ 4.27 million
Trading liabilities N.A.
Other borrowed funds $ 6.30 million
Subordinated debt N.A.
All other liabilities $ 1.97 millionn
      Total Liabilities $ 647.88 million
      Shareholders’ Equity $ 51.20 million

Summary Income Statement as of September 30, 2024

INCOME AND EXPENSES
Total Interest Income $ 26.82 million
Total Interest Expense $ 11.27 million
Net interest income $ 15.55 million
Provision for loan and lease losses $ 0.35 million
Total non interest income $ 2.00 million
Total non interest expense $ 12.80 million
Pre-tax Net Operating Income $ 3.10 million

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