Sauk Valley Bank & Trust Company

Popular Accounts at this Bank

APY	ACCOUNT TYPE	HOW THEY COMPARE
1.80%	5-year CD	3.10% - Barclays 60 Month Online CD
0.55%	1-year CD	2.75% - Barclays 12 Month Online CD
0.05%	Savings	0.27% - National Average

View all Sauk Valley Bank & Trust Company rates »

Overview / Commentary

www.saukvalleybank.com

815-626-5996

201 West 3rd Street
Sterling, IL 61081

Sauk Valley Bank & Trust Company is headquartered in Sterling and is the 97^th largest bank in the state of Illinois. It is also the 1,621^st largest bank in the nation. It was established in 1999 and as of December of 2018, it had grown to 96 employees at 8 locations. Sauk Valley Bank & Trust Company's money market rates are 2X the national average, and it has a B health rating.

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Health

Data as of Q4 2018

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Health Grade Components

Overall
FDIC Certificate #	35131
Year Established	1999
Employees	96
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.72%
Return on Equity - YTD	8.59%
Annual Interest Income	$17.4MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$431.1MM$390.3MM
Loans	Q4 2018vs Q4 2017	$307.6MM$283.2MM
Deposits	Q4 2018vs Q4 2017	$380.9MM$343.4MM
Equity Capital	Q4 2018vs Q4 2017	$36.9MM$33.2MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$3.6MM$2.7MM
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$6.7MM$2.9MM
Real Estate Owned	Q4 2018vs Q4 2017	$1.1MM$188.00K

Rates

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Money Market
Checking
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Sauk Valley Bank & Trust Company Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.45%^*	$125k^*	-	Preferred Savings
OTHER TIERS: 0.05% → $2.5k - $25k \| 0.15% → $25k - $75k \| 0.25% → $75k - $125k
0.30%^*	$10k^*	-	Health Savings Account
OTHER TIERS: 0.05% → $1k - $5k \| 0.20% → $5k - $10k
0.05%	$5	-	Children Savings
0.05%	$200	-	Personal Savings
0.05%	$5	-	Holiday Savings

Sauk Valley Bank & Trust Company Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.00%^*	$250k^*	-	Money Market Account
OTHER TIERS: 0.08% → $1k - $10k \| 0.25% → $10k - $100k \| 0.65% → $100k - $250k

Sauk Valley Bank & Trust Company Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.65%^*	$100k^*	-	Platinum Checking Account
OTHER TIERS: 0.25% → $10k - $50k \| 0.45% → $50k - $100k
0.05%^*	$5k^*	-	Now Checking Account
OTHER TIERS: 0.03% → $1k - $5k

Sauk Valley Bank & Trust Company CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.80%^*	$5k^*	-	60+ Month CD
OTHER TIERS: 1.40% → $1k - $5k
1.30%^*	$5k^*	-	48-59 Month CD
OTHER TIERS: 0.90% → $1k - $5k
1.05%^*	$5k^*	-	36-47 Month CD
OTHER TIERS: 0.65% → $1k - $5k
0.80%^*	$5k^*	-	30-35 Month CD
OTHER TIERS: 0.45% → $1k - $5k
0.80%^*	$5k^*	-	24-29 Month CD
OTHER TIERS: 0.40% → $1k - $5k
0.60%^*	$5k^*	-	18-23 Month CD
OTHER TIERS: 0.35% → $1k - $5k
0.55%^*	$5k^*	-	12-17 Month CD
OTHER TIERS: 0.30% → $1k - $5k
0.55%^*	$5k^*	-	12 Month Buildable CD
OTHER TIERS: 0.30% → $1k - $5k
0.30%^*	$5k^*	-	6-11 Month CD
OTHER TIERS: 0.20% → $1k - $5k
0.25%^*	$5k^*	-	14 Day-5 Month CD
OTHER TIERS: 0.20% → $1k - $5k

Sauk Valley Bank & Trust Company IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.80%^*	$5k^*	-	60+ Month IRA
OTHER TIERS: 1.40% → $1k - $5k
1.30%^*	$5k^*	-	48-59 Month IRA
OTHER TIERS: 0.90% → $1k - $5k
1.05%^*	$5k^*	-	36-47 Month IRA
OTHER TIERS: 0.65% → $1k - $5k
0.80%^*	$5k^*	-	24-29 Month IRA
OTHER TIERS: 0.40% → $1k - $5k
0.80%^*	$5k^*	-	30-35 Month IRA
OTHER TIERS: 0.45% → $1k - $5k
0.60%^*	$5k^*	-	18-23 Month IRA
OTHER TIERS: 0.35% → $1k - $5k
0.55%^*	$5k^*	-	12-17 Month IRA
OTHER TIERS: 0.30% → $1k - $5k
0.55%^*	$5m^*	-	12 Month Buildable IRA
OTHER TIERS: 0.30% → Up to $5k
0.55%^*	$5m^*	-	12 Month Buildable SEP
OTHER TIERS: 0.30% → Up to $5k
0.30%^*	$5k^*	-	6-11 Month IRA
OTHER TIERS: 0.20% → $1k - $5k

Locations

Sauk Valley Bank & Trust Company Locations
Sauk Valley Bank & Trust Company	201 West 3rd Street	Sterling, IL 61081
Dixon Branch	300 Walton Drive	Dixon, IL 61021
3319 E. Lincolnway, Sterling Il Branch	3319 East Lincolnway	Sterling, IL 61081
Rock Falls Branch	904 First Avenue	Rock Falls, IL 61071
Sauk Valley Bank And Trust Comany	360 South Divisionn St.	Harvard, IL 60033

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