Quoin Financial Bank
Miller, SD · Cert 15629 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · Independent Bancshares Inc.
State charter, non-member · FDIC · 1 affiliate bank · 3 branches (9 in holding)
Q2 2026
$250.7MAssets
$156.6MLoans
$216.5MDeposits
$29.6MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 86% of banks under $1B in assets operating in a single state (rank 103 of 755).
- Widest gap: total risk-based capital ratio trails 66% of banks under $1B in assets operating in a single state (rank 498 of 755).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.14%
Rank 328 of 755
Net Interest Margin
4.47%
Rank 103 of 755
Efficiency Ratio
70.11%
Rank 475 of 755
Equity / Assets
11.80%
Rank 261 of 755
Non-interest income vs. expense
Unfavorable gap of $7.2M · efficiency ratio beats 37% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.14% | 0.72% | 1.06% | 1.45% | Beats 57% | 328 / 755 | | |
| Return on Equity | 9.70% | 6.66% | 10.44% | 13.61% | Beats 44% | 420 / 755 | | |
| Net Interest Margin | 4.47% | 3.15% | 3.68% | 4.17% | Beats 86% | 103 / 755 | | |
| Efficiency Ratio | 70.11% | 55.75% | 64.78% | 75.61% | Beats 37% | 475 / 755 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.21% | 0.09% | 0.42% | 1.05% | Beats 65% | 263 / 751 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 56% | 335 / 751 | | |
| Capital |
| Tier 1 Capital Ratio | 12.27% | 11.56% | 13.81% | 17.74% | Beats 34% | 498 / 755 | | |
| Total Risk-Based Capital Ratio | 12.79% | 11.72% | 14.46% | 18.53% | Beats 34% | 498 / 755 | | |
| Equity / Assets | 11.80% | 8.93% | 10.56% | 13.13% | Beats 65% | 261 / 755 | | |
| Liquidity & Funding |
| Loans / Deposits | 72.32% | 62.43% | 78.62% | 91.00% | 37th pctl | 472 / 755 | | |
| Loans / Assets | 62.45% | 54.70% | 67.27% | 76.55% | 39th pctl | 460 / 755 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |