Sauk Valley Bank

What Sauk Valley Bank does

Sauk Valley Bank is an FDIC-insured, state-chartered community bank founded July 9, 1999 in Sterling, Illinois, operating nine full-service branches across Northern Illinois (Sterling, Rock Falls, Dixon, Harvard) and Southern Wisconsin (Janesville, Walworth), with a tenth full-service Janesville branch scheduled to open in Fall 2026. The bank employs 101–250 people and operates 22+ proprietary ATMs integrated with the MoneyPass surcharge-free network of 40,000+ locations nationwide. Customer-facing technology is built on a conventional community-bank stack: NetTeller online banking, the SVB Mobile Banking app on iOS/Android, iTalk telephone banking, point-of-sale merchant services with EMV and NFC, Remote Deposit Capture, and Positive Pay fraud monitoring.

The bank organizes its offering across five business units: Personal Banking (Green Choice, Student Plus, Senior, HSA, and ITIN checking accounts; savings, money market, CDs, mortgages, home equity, auto/RV/boat, credit cards); Commercial Banking (Business Value/Image/Interest Bearing checking, savings, CDs, treasury management including merchant services, cash management, remote deposit, positive pay, and business registration); Agricultural Banking (Ag Loans, Real Estate Loans via Farmer Mac, Lines of Credit, Equipment Leasing); Investment Services delivered through a FINRA/SIPC partnership with Midwestern Securities Trading Company (personal IRAs, mutual funds, annuities, and company-sponsored retirement plans); and Private Banking with Platinum Checking and dedicated bankers.

Revenue is generated primarily through net interest income on mortgages, commercial, agricultural, and consumer loans, supplemented by deposit account fees (monthly maintenance, overdraft protection at 15% APR with $25 annual fee, wire and stop-payment fees), merchant services transaction fees from POS processing, mortgage origination fees across conventional/FHA/VA/USDA/ITIN products, and revenue share from the MSTC investment-services partnership. The go-to-market is relationship-driven community banking — universal bankers at branches, dedicated VP-level commercial/ag lenders, and VP mortgage loan officers — combined with digital onboarding through an external account-application portal and community-marketing channels including the School Spirit Debit Card program and the Be Great Donate 8 employee volunteer initiative.

Name

Sauk Valley Bank

Legal name

Sauk Valley Bank

Website

https://saukvalleybank.com

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

101–250 employees

Short description

Sauk Valley Bank is a privately held, FDIC-insured community bank founded in 1999, operating nine branches across Northern Illinois and Southern Wisconsin and serving personal, commercial, agricultural, investment, and private banking customers.

Ownership category

akta.pro rank

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Savings Banks (Public/State-Owned) (FSABAKAK)

akta.pro secondary industries

Student & Youth Banking (FSABAAAH), Agricultural & Rural Cooperatives (Farm Credit/Co-op Banks) (FSABAEAG)

Keywords

• Community banking services
• Personal and business checking
• Mortgage and consumer lending
• Agricultural loans
• Treasury management solutions

Headquarters

HQ city

Sterling

HQ country

United States

HQ region

North America

Offices9 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Interest Income: Primary revenue from interest earned on loans including mortgages, commercial loans, agricultural loans, and consumer loans. Spreads earned between deposit rates paid and loan rates charged.
2. Deposit Account Fees: Monthly maintenance fees, minimum balance fees, overdraft protection annual fees ($25), wire transfer fees, and other account service charges.
3. Merchant Services Processing: Transaction processing fees from point-of-sale payment processing for business customers accepting card payments.
4. Mortgage Lending: Origination fees and ongoing interest from residential mortgages including conventional, FHA, VA, USDA loans, and ITIN home loans.
5. Investment Services Revenue Share: Revenue from investment products and services offered through partnership with Midwestern Securities Trading Company (MSTC), including IRAs, mutual funds, annuities, and retirement plans.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Sauk Valley Bank is a privately held community bank providing personal, commercial, agricultural, and private banking services across Northern Illinois and Southern Wisconsin. Its core offerings include deposit accounts (checking, savings, money market, CDs), consumer and commercial loans, residential mortgages (including ITIN home loans), agricultural financing, treasury management (merchant services, cash management, Positive Pay), and investment services delivered through a partnership with Midwestern Securities Trading Company. The bank operates 9 branches and 22+ ATMs supported by NetTeller online banking, a mobile app, and the MoneyPass surcharge-free ATM network.

Product overview

Sauk Valley Bank is a locally owned community bank offering a comprehensive suite of financial products and services organized across five main divisions: Personal Banking, Commercial Banking, Agricultural Banking, Investment Services, and Private Banking. The Personal Banking division includes checking accounts (Green Choice, Personal, Student Plus, Senior, HSA, ITIN), savings accounts (Personal, Preferred, Children's, Holiday), Money Market accounts, Certificates of Deposit, and lending products (mortgages including ITIN Home Loan Program, home equity loans, auto/RV/boat loans, secured CDs, credit cards). The Commercial Banking division provides business checking (Value, Image, Interest Bearing), savings, CDs, and Treasury Management services (Merchant Services, Cash Management, Remote Deposit Capture, Positive Pay fraud protection, Business Registration). Agricultural Banking offers specialized versions of personal banking products plus Ag Loans, Real Estate Loans, Lines of Credit, and Equipment Leasing. Investment Services covers personal investments (IRAs, mutual funds, stocks, bonds, annuities) and company-sponsored retirement plans (401k, 403b, 457, SEP IRA, etc.). Private Banking provides premium relationship banking with dedicated bankers and Platinum Checking benefits. Digital banking is delivered through Online & Mobile Banking via NetTeller and the SVB Mobile Banking App.

Differentiator

Problem solved

Functional benefit

Brands

• Sauk Valley Investment Services: A division of Sauk Valley Bank that provides investment services including IRAs, mutual funds, individual stocks, bonds, annuities, and company sponsored retirement plans. Securities offered through Midwestern Securities Trading Company, LLC (MSTC).

Quantifiable outcome

• Downpayment Plus grants up to $10,000 for eligible homebuyers
• +3 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles4 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Feature4 records

Partnerships

Six partnerships are on record, tiered core and minor.

• MoneyPasscoreTechnology or IntegrationATM network partnership providing surcharge-free access to 40,000+ ATMs nationwide. Sauk Valley Bank ATM cardholders automatically qualify for MoneyPass benefits at no additional cost.
• MyCorporationminorImplementation/ SI/ Consulting PartnerBusiness registration services partnership through MyCorporation enabling SVB to offer LLC/corporation formation, DBA filing, operating agreements, and EIN registration through single banking relationship.
• Midwestern Securities Trading Company (MSTC)coreChannel Partner/ Reseller/ DistributorSecurities broker-dealer partnership providing investment products and services including IRAs, mutual funds, stocks, bonds, annuities, and retirement plans. Securities offered through SVB Investment Services division. FINRA/SIPC member.
• Federal Home Loan Bank (FHLB)minorStrategic or Co-development PartnerDownpayment Plus program - forgivable grants up to $10,000 for income-eligible homebuyers for closing costs and down payment assistance. FHLB-sponsored program administered through SVB mortgage lenders.
• Farm Service AgencycoreStrategic or Co-development PartnerPreferred lender status for FSA guaranteed loan programs serving agricultural borrowers. Enables SVB to offer government-backed agricultural financing with enhanced terms.
• Farmer MacminorStrategic or Co-development PartnerAgricultural real estate loan programs through Farmer Mac I and Farmer Mac II enabling long-term fixed rates up to 20 years for farm land and building purchases.

Scale indicators5 records

Recent moves15 records

Expansion highlights6 records

Broad incumbents

• Heartland Financial USA (HTLF): Larger Midwestern multi-state community bank holding company operating commercial, ag, mortgage, and wealth franchises across overlapping Midwest geographies.
• Old National Bank: Large Midwest regional bank offering consumer, commercial, ag, mortgage, and wealth services; key competitive threat in SVB's geographic footprint.

Direct peers

• Nicolet National Bank: Wisconsin-based community bank with branches extending into Northern Illinois; serves consumers, businesses, and ag borrowers in overlapping markets.
• First National Bank of Ottawa: Northern Illinois community bank providing personal, business, and ag lending with relationship-driven, locally-owned positioning.
• Apple River State Bank: Small Illinois/Wisconsin border community bank with similar footprint and agricultural lending exposure; closest size comparable.
• Midland States Bank: Illinois-headquartered community bank offering commercial, ag, mortgage, and wealth services across the Midwest; comparable diversified community banking model.
• Town & Country Bank: Central Illinois community bank providing personal, commercial, and ag lending with a similar relationship-driven, locally-owned operating model.
• Stillman Bank: Northern Illinois community bank with comparable size, branch footprint, and full-service personal/business/ag banking offerings.
• Resource Bank: Illinois community bank offering personal, commercial, and mortgage products; comparable scale and deposit-driven franchise.
• Blackhawk Bank: Community bank serving Northern Illinois and Southern Wisconsin with personal, business, and ag lending — same geographic footprint and product mix as Sauk Valley Bank.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/SaukValleyBank
• LinkedInlinkedin.com/company/sauk-valley-bank
• Instagraminstagram.com/saukvalleybank
• Xx.com/saukvalleybank

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles17 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Sauk Valley Bank