Sauk Valley Bank & Trust Company

Overview / Commentary

www.saukvalleybank.com

866-626-5996

201 West 3rd Street
Sterling, IL 61081

Sauk Valley Bank & Trust Company is headquartered in STERLING and is the 78^th largest bank in the state of Illinois. It is also the 1,448^th largest bank in the nation. It was established in 1999 and as of March of 2023, it had grown to 115 employees at 10 locations. Sauk Valley Bank & Trust Company's money market rates are 4X the national average, and it has a B health rating.

Reviews (1)

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Perfect Bank For Receiving A Loan

Posted by: gthornton | Oct 25, 2021

I needed a quick loan for my car and this bank was quick to give it to me. Low interest and fair service. Great bank!!

Comment

Health

Data as of Q1 2023

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	35131
Year Established	1999
Employees	115
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.52%
Return on Equity - YTD	7.78%
Annual Interest Income	$6.6MM

Assets and Liabilities
Assets	Q1 2023vs Q1 2022	$622.8MM$590.9MM
Loans	Q1 2023vs Q1 2022	$389.2MM$351.3MM
Deposits	Q1 2023vs Q1 2022	$523.8MM$522.0MM
Equity Capital	Q1 2023vs Q1 2022	$42.3MM$45.4MM
Loan Loss Allowance	Q1 2023vs Q1 2022	$6.0MM$5.4MM
Unbacked Noncurrent Loans	Q1 2023vs Q1 2022	$4.2MM$667.00K
Real Estate Owned	Q1 2023vs Q1 2022	$0$80.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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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
1.10%^*	$125k^*	-	Preferred Savings
OTHER TIERS: 0.25% → $2.5k - $25k \| 0.45% → $25k - $75k \| 0.75% → $75k - $125k
0.35%^*	$10k^*	-	Health Savings Account
OTHER TIERS: 0.05% → $1k - $5k \| 0.20% → $5k - $10k
0.10%	-	-	Personal Savings
0.05%	$5	-	Children Savings
0.05%	$5	-	Holiday Savings

Sauk Valley Bank & Trust Company Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.60%^*	$250k^*	-	Money Market Account
OTHER TIERS: 0.25% → $1k - $10k \| 0.75% → $10k - $100k \| 1.00% → $100k - $250k

Sauk Valley Bank & Trust Company Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%^*	$100k^*	-	Platinum Checking Account
OTHER TIERS: 0.25% → $10k - $50k \| 0.55% → $50k - $100k
0.10%^*	$5k^*	-	Now Checking Account
OTHER TIERS: 0.05% → $1k - $5k

Sauk Valley Bank & Trust Company CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.40%^*	$5k^*	-	60+ Month CD
OTHER TIERS: 1.25% → $1k - $5k
1.40%^*	$5k^*	-	24-29 Month CD
OTHER TIERS: 1.25% → $1k - $5k
1.35%^*	$5k^*	-	48-59 Month CD
OTHER TIERS: 1.20% → $1k - $5k
1.35%^*	$5k^*	-	18-23 Month CD
OTHER TIERS: 1.20% → $1k - $5k
1.30%^*	$5k^*	-	36-47 Month CD
OTHER TIERS: 1.15% → $1k - $5k
1.25%^*	$5k^*	-	30-35 Month CD
OTHER TIERS: 1.10% → $1k - $5k
1.25%^*	$5k^*	-	12-17 Month CD
OTHER TIERS: 1.10% → $1k - $5k
1.25%^*	$5k^*	-	12 Month Buildable CD
OTHER TIERS: 0.90% → $1k - $5k
0.85%^*	$5k^*	-	6-11 Month CD
OTHER TIERS: 0.80% → $1k - $5k
0.55%^*	$5k^*	-	14 Day-5 Month CD
OTHER TIERS: 0.45% → $1k - $5k

Sauk Valley Bank & Trust Company IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.40%^*	$5k^*	-	24-29 Month IRA
OTHER TIERS: 1.25% → $1k - $5k
1.40%^*	$5k^*	-	60+ Month IRA
OTHER TIERS: 1.25% → $1k - $5k
1.35%^*	$5k^*	-	18-23 Month IRA
OTHER TIERS: 1.20% → $1k - $5k
1.35%^*	$5k^*	-	48-59 Month IRA
OTHER TIERS: 1.20% → $1k - $5k
1.30%^*	$5k^*	-	36-47 Month IRA
OTHER TIERS: 1.15% → $1k - $5k
1.25%^*	$5k^*	-	12-17 Month IRA
OTHER TIERS: 1.10% → $1k - $5k
1.25%^*	$5k^*	-	30-35 Month IRA
OTHER TIERS: 1.10% → $1k - $5k
1.25%^*	$5k^*	-	12 Month Buildable IRA
OTHER TIERS: 0.90% → Up to $5k
1.25%^*	$5k^*	-	12 Month Buildable SEP
OTHER TIERS: 0.90% → Up to $5k
0.85%^*	$5k^*	-	6-11 Month IRA
OTHER TIERS: 0.80% → $1k - $5k

Locations

Sauk Valley Bank & Trust Company Locations
Sauk Valley Bank & Trust Company	201 W 3rd St	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	5319 S. Division Street	Harvard, IL 60033
Sterling North Branch	2403 North Locust Street	Sterling, IL 61081
Dixon North Branch	224 North Galena Avenue	Dixon, IL 61021

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