Quoin Financial Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 46.7% lower than in Q1 2026, at $18.6M. Quoin Financial Bank ranks 31st of 56 South Dakota banks on loan-to-deposit ratio, in the lower half at 72.32% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Quoin Financial Bank sits 8.52 points lower, at 72.32% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $18.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $72.5M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.32% |
| Net loans and leases to deposits | 71.95% |
| Loans and leases to core deposits | 79.88% |
| Core deposits to total deposits | 90.54% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 91.23% | 91.78% | $0 | $3.6M |
| Q4 2023 | 88.71% | 91.04% | $0 | $6.0M |
| Q1 2024 | 79.28% | 90.21% | $0 | $3.0M |
| Q2 2024 | 80.64% | 89.69% | $0 | $3.0M |
| Q3 2024 | 79.87% | 87.88% | $0 | $3.0M |
| Q4 2024 | 77.87% | 86.75% | $0 | $2.9M |
| Q1 2025 | 72.45% | 87.29% | $0 | $2.9M |
| Q2 2025 | 76.82% | 85.83% | $0 | $2.9M |
| Q3 2025 | 74.50% | 87.17% | $0 | $0 |
| Q4 2025 | 73.61% | 89.24% | $0 | $0 |
| Q1 2026 | 70.59% | 89.85% | $0 | $0 |
| Q2 2026 | 72.32% | 90.54% | $0 | $0 |
Quoin Financial Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Quoin Financial Bank, freeSource: Call Report Schedules RC and RC-M, 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)