Sauk Valley Bank&Trust Co (FDIC #35131): Bank Stress & Real-Estate Credit Exposure
Sauk Valley Bank&Trust Co (FDIC Cert #35131): bank stress 83/100, severe, STABLE over 7 days; parent SV FINANCIAL INC.
Sauk Valley Bank&Trust Co (#35131) lends in 5 counties across 2 states; Sauk Valley Bank&Trust Co (#35131) reaches 93 ZIP codes: Illinois 3 counties, 59 ZIPs; Wisconsin 2 counties, 34 ZIPs.
Sauk Valley Bank&Trust Co (#35131) largest markets: Lee County, IL (48 branches, 24 ZIPs) (#35131), Mchenry County, IL (24 branches, 24 ZIPs) (#35131), Rock County, WI (20 branches, 20 ZIPs) (#35131), Walworth County, WI (18 branches, 18 ZIPs) (#35131), Whiteside County, IL (75 branches, 15 ZIPs) (#35131).
Sauk Valley Bank&Trust Co (#35131) reports $790.8 million in total assets; Sauk Valley Bank&Trust Co (#35131) equity $60.4 million (7.6% of Sauk Valley Bank&Trust Co (#35131) assets); Sauk Valley Bank&Trust Co (#35131) domestic deposits $670.1 million; Sauk Valley Bank&Trust Co (#35131) net income $3.1 million; Sauk Valley Bank&Trust Co (#35131) return on assets 0.81%; Sauk Valley Bank&Trust Co (#35131) return on equity 10.38%; Sauk Valley Bank&Trust Co (#35131) net interest income $14.2 million; Sauk Valley Bank&Trust Co (#35131) call report June 30, 2026.
Sauk Valley Bank&Trust Co (#35131) noncurrent real-estate loans: none reported; Sauk Valley Bank&Trust Co (#35131) net charge-offs on real estate 1.00%; Sauk Valley Bank&Trust Co (#35131) multifamily charge-offs 4.42%; Sauk Valley Bank&Trust Co (#35131) residential charge-offs 0.38%.
Sauk Valley Bank&Trust Co (#35131) net interest margin 4.01% against an eight-quarter Sauk Valley Bank&Trust Co (#35131) average of 3.61% (Sauk Valley Bank&Trust Co (#35131) compression -0.40 points); Sauk Valley Bank&Trust Co (#35131) non-residential real estate 37.8% of equity; Sauk Valley Bank&Trust Co (#35131) rate-exposure score 40/100, Sauk Valley Bank&Trust Co (#35131) fixed-rate trap 40/100; Sauk Valley Bank&Trust Co (#35131) risk type credit driven; Sauk Valley Bank&Trust Co (#35131) rate regime rates elevated, Sauk Valley Bank&Trust Co (#35131) snapshot October 19, 2026.
Sauk Valley Bank&Trust Co (#35131) stress score moved from 80.4 on June 22, 2026 to 82.7 on October 20, 2026; Sauk Valley Bank&Trust Co (#35131) ranged 80.4 to 82.7 over 117 snapshots.
Sauk Valley Bank&Trust Co (#35131) alerts: 5 counties; top Sauk Valley Bank&Trust Co (#35131) alert scores: Dixon County, IL 28 (low); Harvard County, IL 28 (low); Janesville County, IL 28 (low); Sterling County, IL 28 (low); Walworth County, IL 28 (low).