Sauk Valley Bank & Trust Company: how it compares with its peers
Against 81 IL banks with half to twice its assets, Sauk Valley Bank & Trust Company's strongest measure in Q2 2026 is net interest margin (4.01% vs. a 3.66% peer median). Its weakest relative measure is assets per employee ($5.6M vs. $7.7M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.81% | 1.13% | Bottom third Ahead of 28% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.01% | 3.66% | Top third Ahead of 73% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 71.03% | 62.75% | Bottom third Ahead of 22% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.6M | $7.7M | Bottom third Ahead of 15% of peers |
| Loans to deposits Net loans and leases over total deposits. | 80.87% | 77.88% | Context |
What it means for lending operations
Its efficiency ratio of 71.03% is above the 62.75% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First Savings Bank of Hegewisch Chicago, IL · $787M
- Home State Bank, National Association Crystal Lake, IL · $776M
- Itasca Bank & Trust Co. Itasca, IL · $771M
- CIBM Bank Champaign, IL · $820M
- Prairie State Bank and Trust Springfield, IL · $840M
- Millennium Bank Des Plaines, IL · $844M
Questions about Sauk Valley Bank & Trust Company
How big is Sauk Valley Bank & Trust Company?
Sauk Valley Bank & Trust Company, established in 1999, is headquartered in Sterling, IL. It reported $791M in total assets in its Q2 2026 FDIC call report and operates 11 offices.
What is Sauk Valley Bank & Trust Company's return on assets?
0.81% annualized in Q2 2026, against a 1.13% median for 81 IL banks with half to twice its assets, ahead of 28% of them.
What is Sauk Valley Bank & Trust Company's efficiency ratio?
71.03% in Q2 2026: it spent about 71 cents in noninterest expense for each dollar of revenue. The peer median is 62.75%, and lower is better.
Is Sauk Valley Bank & Trust Company growing its loans?
Net loans grew 5.5% over the year to Q2 2026, while deposits grew 8.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.