BlastPoint's Banking Scorecard
Sauk Valley Bank & Trust Company
Sterling, IL
11 branches across IL · WI
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
- Deposits +8.0% year over year ($670.1M on the books).
- Delinquency rate 0.89%.
- Return on assets 0.81%.
- Efficiency ratio 71.03% vs a 64.48% peer average.
- Loan-to-deposit ratio 80.87% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Sauk Valley Bank & Trust Company faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.51% below tier average
- - Efficiency Ratio 6.56% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$790.8M
+8.1% YoY
+5.6% QoQ
|
+$404.2M |
$386.6M
+1.2% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
Top 8.4% in tier |
| Total Loans ? |
$541.9M
+5.5% YoY
-1.0% QoQ
|
+$283.6M |
$258.3M
+1.7% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
Top 8.5% in tier |
| Total Deposits ? |
$670.1M
+8.0% YoY
+7.5% QoQ
|
+$343.4M |
$326.7M
+0.7% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
Top 8.4% in tier |
| Return on Assets ? |
0.81%
+13.7% YoY
+1.4% QoQ
|
-0.51% |
1.32%
+10.8% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
24% |
| Net Interest Margin ? |
4.01%
+12.4% YoY
+2.4% QoQ
|
+0.02% |
3.99%
+5.0% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
54% |
| Efficiency Ratio ? |
71.03%
-0.0% YoY
+0.1% QoQ
|
+6.56% |
64.48%
-3.2% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
28% |
| Delinquency Rate ? |
0.89%
-30.6% YoY
-15.2% QoQ
|
-0.03% |
0.92%
+15.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
80.87%
-2.3% YoY
-7.9% QoQ
|
+2.92% |
77.95%
+1.0% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
17.41%
+0.9% YoY
-8.3% QoQ
|
-4.62% |
22.03%
-0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
34% |
| Nonperforming Asset Ratio ? |
0.61%
-35.2% YoY
-25.5% QoQ
|
-0.06% |
0.67%
+16.4% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
34% |
| Tier 1 Capital Ratio ? |
11.49%
+3.6% YoY
+2.2% QoQ
|
-4.42% |
15.91%
+1.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.20%
-1.1% YoY
+104.1% QoQ
|
-0.37% |
0.57%
+7.6% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
48% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
17.4%
+0.2pp YoY -1.6pp QoQ |
-4.7pp | 22.1% | 20.1% | 22.2% | 33% |
| Brokered Deposits |
8.7%
-1.0pp YoY -1.9pp QoQ |
+0.8pp | 7.9% | 8.0% | 8.5% | 71% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
25.1%
+1.0pp YoY +3.1pp QoQ |
+13.5pp | 11.6% | 14.7% | 12.5% | 94% |
| CRE |
30.3%
-0.4pp YoY -2.9pp QoQ |
-9.2pp | 39.5% | 37.9% | 41.4% | 35% |
| 1-4 Family |
17.3%
-0.7pp YoY +0.7pp QoQ |
-15.4pp | 32.6% | 28.3% | 31.3% | 24% |
| Consumer |
0.4%
-0.1pp YoY 0.0pp QoQ |
-3.7pp | 4.1% | 5.4% | 5.0% | 15% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.5%
+0.4pp YoY +0.2pp QoQ |
-7.3pp | 18.8% | 19.9% | 19.7% | 12% |
| Leverage Ratio |
8.8%
+0.1pp YoY +0.1pp QoQ |
-3.3pp | 12.2% | 12.2% | 12.6% | 10% |
| Total Capital Ratio |
12.7%
+0.4pp YoY +0.3pp QoQ |
-7.2pp | 19.9% | 20.9% | 20.8% | 13% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
140
+2 (+1.4%) YoY -12 (-7.9%) QoQ |
+81 | 58 | 228 | 482 | 96% |
| Assets per Employee ($) |
$5.6M
+6.5% YoY +14.7% QoQ |
-$1.9M | $7.5M | $8.3M | $8.8M | 26% |
| Branch Count |
11
+1 (+10.0%) YoY +1 (+10.0%) QoQ |
+6 | 4 | 10 | 18 | 93% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.7pp YoY |
-0.3pp | 0.3% | 0.4% | 0.4% | 5% |
| Nonaccrual |
0.9%
+0.3pp YoY -0.2pp QoQ |
-0.1pp | 0.9% | 1.1% | 1.0% | 68% |
| Allowance Coverage |
1.60x
+52.9% YoY +20.8% QoQ |
-22.56x | 24.15x | 5.62x | 20.23x | 41% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.1pp YoY +0.1pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 6% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.4%
+0.8pp YoY +0.3pp QoQ |
-1.8pp | 12.2% | 10.5% | 11.6% | 39% |
| Cost of Funds (YTD) |
1.9%
-0.3pp YoY 0.0pp QoQ |
+0.2pp | 1.7% | 1.6% | 1.7% | 65% |
| Net Income ($, YTD) |
$3.1M
+23.1% YoY — QoQ |
+$534K | $2.6M | $11.7M | $40.4M | 71% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.