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Quoin Financial Bank

$100M-$1B Specialty: Agricultural SD FDIC cert 15629

Miller, SD

3 branches across SD

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 24 in SD.
  • Deposits +6.3% year over year ($216.5M on the books).
  • Delinquency rate 0.21%.
  • Return on assets 1.17%.
  • Efficiency ratio 58.22% vs a 64.48% peer average.
  • Loan-to-deposit ratio 71.95% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 24 in SD
View $100M-$1B leaderboard (SD) →

Quoin Financial Bank has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.91% above tier average
  • + Efficiency Ratio 6.26% below tier average
  • + Delinquency Rate 0.71% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 21.8% in tier
  • - ROA 0.15% below tier average
Get updates when Quoin Financial Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Total Assets ? $250.7M
+3.0% YoY +2.4% QoQ
-$135.8M $386.6M
+1.2% YoY
$70.4B
+8.4% YoY
$6.3B
+7.7% YoY
37%
Total Loans ? $155.8M
+0.1% YoY +5.6% QoQ
-$102.6M $258.3M
+1.7% YoY
$31.5B
+10.3% YoY
$3.2B
+9.4% YoY
37%
Total Deposits ? $216.5M
+6.3% YoY +3.0% QoQ
-$110.2M $326.7M
+0.7% YoY
$56.5B
+10.5% YoY
$4.9B
+7.3% YoY
38%
Return on Assets ? 1.17%
+15.1% YoY +13.8% QoQ
-0.15% 1.32%
+10.8% YoY
1.40%
+6.8% YoY
1.30%
+12.1% YoY
45%
Net Interest Margin ? 4.89%
-4.3% YoY +1.2% QoQ
+0.91% 3.99%
+5.0% YoY
4.26%
+1.1% YoY
3.95%
+4.9% YoY
Top 10.0% in tier
Efficiency Ratio ? 58.22%
+9.2% YoY -5.2% QoQ
-6.26% 64.48%
-3.2% YoY
60.99%
-4.4% YoY
70.05%
+2.5% YoY
63%
Delinquency Rate ? 0.21%
+125.8% YoY -6.2% QoQ
-0.71% 0.92%
+15.7% YoY
0.78%
+47.6% YoY
0.98%
+16.3% YoY
65%
Loan-to-Deposit Ratio ? 71.95%
-5.9% YoY +2.5% QoQ
-6.00% 77.95%
+1.0% YoY
73.26%
-0.6% YoY
79.03%
+2.3% YoY
66%
Non-Interest-Bearing Deposit Share ? 17.25%
+6.2% YoY +5.5% QoQ
-4.78% 22.03%
-0.6% YoY
23.46%
+3.2% YoY
21.98%
-0.6% YoY
33%
Nonperforming Asset Ratio ? 0.13%
+119.4% YoY -3.3% QoQ
-0.54% 0.67%
+16.4% YoY
0.54%
+39.8% YoY
0.69%
+15.8% YoY
67%
Tier 1 Capital Ratio ? 12.27%
-5.7% YoY -1.4% QoQ
-3.64% 15.91%
+1.4% YoY
15.80%
+1.0% YoY
17.09%
+0.8% YoY
39%
Non-Interest Income / Assets ? 0.22%
+23.4% YoY +78.7% QoQ
-0.34% 0.57%
+7.6% YoY
0.54%
-0.1% YoY
0.66%
+5.2% YoY
57%

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 (SD) National Avg Tier Percentile
Noninterest-Bearing 17.3%
+1.0pp YoY
+0.9pp QoQ
 -4.9pp 22.1% 23.5% 22.2% 32%
Brokered Deposits n/a n/a 7.9% 8.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
C&I 8.9%
-1.6pp YoY
-0.9pp QoQ
 -2.6pp 11.6% 14.1% 12.5% 46%
CRE 27.2%
-0.4pp YoY
-0.9pp QoQ
 -12.3pp 39.5% 31.5% 41.4% 30%
1-4 Family 22.0%
-1.7pp YoY
-0.8pp QoQ
 -10.6pp 32.6% 14.9% 31.3% 34%
Consumer 3.3%
+1.6pp YoY
+0.4pp QoQ
 -0.8pp 4.1% 8.5% 5.0% 63%

Capital

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
CET1 Ratio 12.3%
-0.7pp YoY
-0.2pp QoQ
 -6.6pp 18.8% 17.6% 19.7% 20%
Leverage Ratio 7.9%
-0.4pp YoY
-0.1pp QoQ
 -4.3pp 12.2% 11.9% 12.6% 2%
Total Capital Ratio 12.8%
-0.8pp YoY
-0.2pp QoQ
 -7.1pp 19.9% 18.8% 20.8% 14%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Full-Time Employees 37
-2 (-5.1%) YoY
-1 (-2.6%) QoQ
 -22 58 6,279 482 37%
Assets per Employee ($) $6.8M
+8.6% YoY
+5.2% QoQ
 -$742K $7.5M $8.1M $8.8M 48%
Branch Count 3
0 YoY
0 QoQ
 -2 4 92 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 0.2%
+0.1pp YoY
0.0pp QoQ
 -0.7pp 0.9% 1.0% 1.0% 30%
Allowance Coverage 2.43x
-56.5% YoY
+0.9% QoQ
 -21.72x 24.15x 96.54x 20.23x 53%
Net Charge-off Rate (YTD) 0.0%
-0.4pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.7% 0.2% 49%

Profitability

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
ROE 9.6%
+2.0pp YoY
+1.3pp QoQ
 -2.6pp 12.2% 12.4% 11.6% 34%
Cost of Funds (YTD) 2.0%
-0.3pp YoY
0.0pp QoQ
 +0.3pp 1.7% 1.7% 1.7% 68%
Net Income ($, YTD) $1.4M
+16.5% YoY
— QoQ
 -$1.1M $2.6M $418.8M $40.4M 40%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Quality Pressure

risk
#275 of 1256 • Bottom 21.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.21%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

266
Net Interest Margin
profitability
Value: 4.89%
Peer Median: 3.99%
#266 of 2643 Top 10.0% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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