BlastPoint's Banking Scorecard

Quoin Financial Bank

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

Miller, SD

3 branches across SD

2664 banks in the $100M-$1B peer group nationally 24 in SD

Quoin Financial Bank has 3 strengths but faces 3 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 0.90% above tier average
+ Efficiency Ratio 3.88% below tier average
+ Delinquency Rate 0.66% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 27.3% in tier
- Credit Quality Pressure: Bottom 31.7% in tier
- ROA 0.24% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Total Assets ?	$244.8M -1.0% YoY +1.4% QoQ	-$141.3M	$386.1M +0.5% YoY	$68.7B +9.0% YoY	$6.2B +9.1% YoY	36%
Total Loans ?	$147.5M -1.0% YoY -2.2% QoQ	-$108.2M	$255.7M +1.1% YoY	$30.8B +10.3% YoY	$3.2B +10.8% YoY	35%
Total Deposits ?	$210.1M +1.6% YoY +2.0% QoQ	-$117.9M	$328.0M +0.1% YoY	$54.8B +8.5% YoY	$4.8B +8.2% YoY	37%
Return on Assets ?	1.03% +18.8% YoY -19.6% QoQ	-0.24%	1.27% +12.9% YoY	1.41% +1.8% YoY	1.23% +13.4% YoY	40%
Net Interest Margin ?	4.83% -2.5% YoY -5.9% QoQ	+0.90%	3.93% +6.0% YoY	4.19% +0.4% YoY	3.89% +5.7% YoY	Top 10.2% in tier
Efficiency Ratio ?	61.41% +1.5% YoY +18.7% QoQ	-3.88%	65.29% -4.5% YoY	64.00% -0.6% YoY	66.95% -4.1% YoY	56%
Delinquency Rate ?	0.23% +122.5% QoQ	-0.66%	0.89% +18.8% YoY	0.59% +45.1% YoY	0.95% +18.8% YoY	62%
Loan-to-Deposit Ratio ?	70.21% -2.6% YoY -4.1% QoQ	-6.43%	76.64% +0.8% YoY	71.70% +0.3% YoY	76.70% +0.9% YoY	66%
Non-Interest-Bearing Deposit Share ?	16.35% -4.4% YoY -8.1% QoQ	-5.67%	22.02% -1.0% YoY	23.74% -0.7% YoY	22.01% -1.2% YoY	29%
Nonperforming Asset Ratio ?	0.14% +114.7% QoQ	-0.50%	0.64% +19.7% YoY	0.41% +39.3% YoY	0.67% +19.3% YoY	66%
Tier 1 Capital Ratio ?	12.45% -7.8% YoY +2.3% QoQ	-3.38%	15.83% +1.5% YoY	15.79% +0.8% YoY	17.06% +0.8% YoY	41%
Non-Interest Income / Assets ?	0.13% +51.3% YoY -68.1% QoQ	-0.15%	0.28% +9.3% YoY	0.27% +0.0% YoY	0.32% +4.1% YoY	65%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (2)

Flatlined Growth

risk

#141 of 512 • Bottom 27.3% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 1.03%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#415 of 1308 • Bottom 31.7% in tier

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

Why this signature

Delinquency Rate: 0.23%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank declining

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

273

Net Interest Margin

profitability

Value: 4.83%

Peer Median: 3.93%

#273 of 2664 Top 10.2% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available