BlastPoint's Banking Scorecard
Quoin Financial Bank
Micro
Specialty: Agricultural
SD
FDIC cert 15629
Designations: ✓ Community bank
Miller, SD
2498
banks in Micro tier nationally
34 in SD
View Micro leaderboard (SD) →
Quoin Financial Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.28% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$241.5M
+1.5% YoY
-1.7% QoQ
|
+$24.0M |
$217.5M
+2.3% YoY
|
$66.4B
+7.5% YoY
|
$5.9B
+6.5% YoY
|
60% |
| Total Loans ? |
$150.8M
-1.3% YoY
-3.1% QoQ
|
+$11.6M |
$139.2M
+2.8% YoY
|
$30.0B
+8.4% YoY
|
$3.1B
+8.5% YoY
|
60% |
| Total Deposits ? |
$205.9M
+4.4% YoY
-1.9% QoQ
|
+$22.3M |
$183.7M
+1.8% YoY
|
$53.6B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
61% |
| Return on Assets ? |
1.28%
-16.2% YoY
+4.4% QoQ
|
+0.19% |
1.08%
+14.7% YoY
|
1.30%
+9.7% YoY
|
1.12%
+15.6% YoY
|
64% |
| Net Interest Margin ? |
5.14%
-13.5% YoY
-0.1% QoQ
|
+1.28% |
3.85%
+6.6% YoY
|
4.04%
+12.2% YoY
|
3.75%
+7.1% YoY
|
Top 7% in tier |
| Efficiency Ratio ? |
51.75%
+17.7% YoY
-0.6% QoQ
|
-15.98% |
67.73%
-4.8% YoY
|
61.23%
-7.1% YoY
|
65.09%
-5.1% YoY
|
Top 13% in tier |
| Delinquency Rate ? |
0.10%
+11.1% QoQ
|
-0.54% |
0.64%
+24.4% YoY
|
0.56%
+87.1% YoY
|
0.66%
+20.3% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
73.22%
-5.5% YoY
-1.2% QoQ
|
-1.31% |
74.53%
+0.5% YoY
|
73.14%
+0.4% YoY
|
78.04%
+0.7% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
17.79%
+9.9% YoY
+1.4% QoQ
|
-4.60% |
22.39%
-1.3% YoY
|
20.56%
-1.2% YoY
|
21.79%
-1.3% YoY
|
33% |
| Nonperforming Asset Ratio ? |
0.06%
+9.6% QoQ
|
-0.39% |
0.45%
+25.1% YoY
|
0.38%
+94.7% YoY
|
0.48%
+20.8% YoY
|
72% |
| Tier 1 Capital Ratio ? |
12.17%
-6.9% YoY
+0.9% QoQ
|
+3.31% |
8.85%
-3.4% YoY
|
11.53%
-0.1% YoY
|
9.75%
-1.9% YoY
|
59% |
| Non-Interest Income / Assets ? |
0.39%
+10.2% YoY
+42.6% QoQ
|
-0.17% |
0.56%
+0.3% YoY
|
1.02%
-4.1% YoY
|
0.65%
+0.6% YoY
|
55% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 7%
in Micro
Why this stands out
Current:
5.14%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Net Interest Margin
Current: 5.14% · Tier avg: 3.85%
87
87th pctile
Efficiency Ratio
Current: 51.75% · Tier avg: 67.73%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.45%
70
70th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.64%
64
64th pctile
Return on Assets
Current: 1.28% · Tier avg: 1.08%
61
61th pctile
Total Deposits
Current: $205.9M · Tier avg: $183.7M
60
60th pctile
Total Loans
Current: $150.8M · Tier avg: $139.2M
60
60th pctile
Total Assets
Current: $241.5M · Tier avg: $217.5M
59
59th pctile
Tier 1 Capital Ratio
Current: 12.17% · Tier avg: 8.85%
56
56th pctile
Loan-to-Deposit Ratio
Current: 73.22% · Tier avg: 74.53%
55
55th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.56%
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 17.79% · Tier avg: 22.39%
Top Weaknesses
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 17.79% · Tier avg: 22.39%
55
55th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.56%
56
56th pctile
Loan-to-Deposit Ratio
Current: 73.22% · Tier avg: 74.53%
59
59th pctile
Tier 1 Capital Ratio
Current: 12.17% · Tier avg: 8.85%
60
60th pctile
Total Assets
Current: $241.5M · Tier avg: $217.5M
60
60th pctile
Total Loans
Current: $150.8M · Tier avg: $139.2M
61
61th pctile
Total Deposits
Current: $205.9M · Tier avg: $183.7M
64
64th pctile
Return on Assets
Current: 1.28% · Tier avg: 1.08%
70
70th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.64%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.45%
87
87th pctile
Efficiency Ratio
Current: 51.75% · Tier avg: 67.73%
93
93th pctile
Net Interest Margin
Current: 5.14% · Tier avg: 3.85%