Overview / Commentary
815-626-5996
201 West 3rd Street
Sterling, IL 61081

Sauk Valley Bank & Trust Company is headquartered in Sterling and is the 101st largest bank in the state of Illinois. It is also the 1,678th largest bank in the nation. It was established in 1999 and as of September of 2018, it had grown to 94 employees at 7 locations. Sauk Valley Bank & Trust Company's money market rates are 2X the national average, and it has a C+ health rating.

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Health
C+

Health Grade Components

Overall
FDIC Certificate #35131
Year Established1999
Employees94
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.73%
Return on Equity - YTD8.68%
Annual Interest Income$13.0MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$415.6MM$384.8MM
LoansQ3 2018vs Q3 2017$311.3MM$276.2MM
DepositsQ3 2018vs Q3 2017$365.4MM$338.1MM
Equity CapitalQ3 2018vs Q3 2017$36.0MM$32.3MM
Loan Loss AllowanceQ3 2018vs Q3 2017$3.6MM$2.6MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$8.1MM$3.2MM
Real Estate OwnedQ3 2018vs Q3 2017$160.00K$32.00K
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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 Company201 West 3rd StreetSterling, IL 61081
Dixon Branch300 Walton DriveDixon, IL 61021
3319 E. Lincolnway, Sterling Il Branch3319 East LincolnwaySterling, IL 61081
Rock Falls Branch904 First AvenueRock Falls, IL 61071
Sauk Valley Bank And Trust Comany360 South Divisionn St.Harvard, IL 60033

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