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Quoin Financial Bank
Miller, SD · FDIC Certificate #15629 · Chartered 01/0
Total assets
$250.73M
Total deposits
$216.51M
Total equity
$29.59M
Net loans
$155.78M
Branches (offices)
3
Net income (YTD)
$1.44M
Rank: #2,709 of 4,213 U.S. banks by assets · #33 of 56 in South Dakota. Assets changed 3.0% and deposits 6.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.17% |
| Return on equity | 9.59% |
| Net interest margin (YTD) | 4.89% |
| Equity to assets | 11.80% |
| Tier 1 leverage ratio | 7.90% |
| Uninsured deposits (share of deposits) | 22.1% |
| Noncurrent loans (share of loans) | 0.21% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 71.9% |
| Real estate loans (share of loans) | 82.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $129.20M | 82.9% | |
| Commercial & industrial | $13.91M | 8.9% | |
| Consumer / individual | $5.10M | 3.3% | |
| Construction & development | $12.43M | 8.0% | |
| Agricultural | $8.33M | 5.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $216.05M | $187.68M | $1.35M | $22.45M |
| Jun 2023 | $206.43M | $174.42M | $1.97M | $24.13M |
| Jun 2024 | $226.44M | $187.07M | $1.71M | $32.72M |
| Jun 2025 | $243.34M | $203.64M | $1.23M | $32.33M |
| Jun 2026 | $250.73M | $216.51M | $1.44M | $29.59M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| South Dakota | $216.51M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $216.51M.
Similar-sized banks
First National Bank Of Burleson ($250.84M) · Denver Savings Bank ($250.58M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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