Sauk Valley Bank & Trust Company is a bank based in Sterling, Illinois, established in 1999, with $749 million in total assets across 11 branches. By Trust Grade it ranks 274th of 328 banks we track in Illinois. Its capital ratio of 7.9% trails most similarly sized banks (14th percentile), versus a Illinois median of 10.3%. It was profitable over the most recent period, with a 0.80% return on assets. No consumer complaints against Sauk Valley Bank & Trust Company appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Sauk Valley Bank & Trust Company compares to Illinois peers
How we graded Sauk Valley Bank & Trust Company
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (7.9% capital ratio)
- Profitable (ROA 0.80%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Sauk Valley Bank & Trust Company over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (11)
- 300 Walton Dr, Dixon, IL 61021
- 904 1st Ave, Rock Falls, IL 61071
- 3319 E Lincolnway, Sterling, IL 61081
- 201 W 3rd St, Sterling, IL 61081
- 2509 Morse St, Janesville, WI 53545
- 1075 S Division St, Harvard, IL 60033
- 224 N Galena Ave, Dixon, IL 61021
- 2107 Foster Avenue, Janesville, WI 53545
- 541 Kenosha St Unit 1, Walworth, WI 53184
- 2403 Locust St, Sterling, IL 61081
- 201 W 3rd St, Sterling, IL 61081
Are deposits at Sauk Valley Bank & Trust Company insured?
Yes. Sauk Valley Bank & Trust Company is an FDIC-insured bank (FDIC certificate #35131). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Sauk Valley Bank & Trust Company: frequently asked questions
Is Sauk Valley Bank & Trust Company a good bank?
Sauk Valley Bank & Trust Company earns a Bankzia Trust Grade of B (89/100, "Strong"), based on a financial-strength score of 89/100 (it has no CFPB complaints on record). Well-capitalized (7.9% capital ratio); Profitable (ROA 0.80%).
Is Sauk Valley Bank & Trust Company FDIC-insured?
Yes. Sauk Valley Bank & Trust Company is a FDIC-insured bank (FDIC certificate #35131). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Sauk Valley Bank & Trust Company?
Sauk Valley Bank & Trust Company holds $749 million in total assets, ranking 274th of 328 banks we track in Illinois. It operates 11 branches.
Does Sauk Valley Bank & Trust Company have CFPB complaints?
No CFPB complaints against Sauk Valley Bank & Trust Company appear in our data over the analysis window, which is typical for a bank of this size.
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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
