🏦Bank Scorer

SAUK VALLEY BANK & TRUST COMPANY

STERLING, IL · Supervised by FDIC

Est. 1999FDIC #35,131RSSD: FDIC-35131
Part ofSV FINANCIAL INC→ View all charters
Satisfactory Same

Current rating · Exam: June 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.80%

Institution Profile

FDIC BankFind

Address

201 W 3rd St, STERLING, IL

County

Whiteside County

Established

July 9, 1999

Total Assets

$749M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

June 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jun 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$749M

Total Deposits

$623M

Net Loans

$547M

Net Income

$1M

ROA

0.80%

ROE

10.12%

Risk-Based Capital

12.49%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate2.82%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

9

Branch Deposits

$621M

1-Year Change

+1

5-year net change: +2 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202424893.15%2.82%
202321787.56%3.69%
202224591.43%3.27%
202133687.2%6.85%
202052892.05%3.98%
201924890.73%5.65%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 previous ratings locked — dating back to 2002

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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