Quoin Financial Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Equity capital to average assets fell 0.50 percentage points from Q1 2026 to Q2 2026, ending at 11.81% against 12.31%. It was the largest change among the key lines on this page. Quoin Financial Bank ranks 28th of 36 South Dakota banks on CET1 ratio, in the lower half at 12.27% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Quoin Financial Bank sits 2.80 points lower, at 12.27% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.27% |
| Tier 1 risk-based capital ratio | 12.27% |
| Total risk-based capital ratio | 12.79% |
| Tier 1 leverage ratio | 7.89% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $19.0M |
| Tier 1 capital | $19.0M |
| Total risk-based capital | $19.8M |
| Total equity capital | $29.6M |
| Risk-weighted assets | $154.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.80% |
| Tangible equity to tangible assets | 7.98% |
| Equity capital to average assets | 11.81% |
| Internal capital growth rate | 2.17% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $450K |
| Common stock surplus | $28.1M |
| Retained earnings | $836K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $208K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 12.74% | — |
| Q4 2023 | 10.65% | 10.65% | 11.19% | 8.08% | $152.8M |
| Q1 2024 | 11.97% | 11.97% | 12.55% | 8.25% | $139.4M |
| Q2 2024 | 12.25% | 12.25% | 12.80% | 8.44% | $147.2M |
| Q3 2024 | 12.78% | 12.78% | 13.33% | 8.91% | $148.4M |
| Q4 2024 | 13.07% | 13.07% | 13.62% | 8.52% | $150.0M |
| Q1 2025 | 13.50% | 13.50% | 14.06% | 8.54% | $145.6M |
| Q2 2025 | 13.01% | 13.01% | 13.55% | 8.31% | $152.5M |
| Q3 2025 | 12.05% | 12.05% | 12.57% | 8.30% | $156.7M |
| Q4 2025 | 12.17% | 12.17% | 12.70% | 7.99% | $152.6M |
| Q1 2026 | 12.45% | 12.45% | 12.99% | 8.00% | $148.3M |
| Q2 2026 | 12.27% | 12.27% | 12.79% | 7.89% | $154.5M |
Quoin Financial Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Quoin Financial Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Quoin Financial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15629) · FFIEC NIC profile (RSSD 592550)