Quoin Financial Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 5.31 percentage points higher than in Q1 2026, at 62.89%. Within South Dakota, Quoin Financial Bank is 31st of 56 on loan-to-deposit ratio, 72.32% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Quoin Financial Bank sits 8.63 points lower, at 72.32% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $156.6M |
| Net loans and leases | $155.8M |
| Loans held for sale | $207K |
| Loans to total assets | 62.45% |
| Loan-to-deposit ratio | 72.32% |
| Net loans to equity capital | 5.27% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.30% |
| Multifamily (5+ residential) | 4.82% |
| Commercial and industrial | 8.89% |
| Consumer | 3.25% |
| Credit cards | 0.26% |
| Farm | 33.51% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 102.23% |
| Construction concentration (Tier 1 capital + allowance) | 62.89% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.95% |
| Interest income on loans | $3.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $158.3M | $173.6M | 19.73% | 13.53% | 1.66% |
| Q4 2023 | $155.9M | $175.8M | 20.05% | 13.61% | 1.60% |
| Q1 2024 | $143.8M | $181.4M | 21.02% | 12.03% | 1.82% |
| Q2 2024 | $150.9M | $187.1M | 19.05% | 11.89% | 1.85% |
| Q3 2024 | $150.3M | $188.3M | 19.16% | 10.77% | 1.80% |
| Q4 2024 | $153.6M | $197.3M | 18.41% | 10.15% | 1.68% |
| Q1 2025 | $149.8M | $206.8M | 18.65% | 10.45% | 1.74% |
| Q2 2025 | $156.4M | $203.6M | 16.87% | 10.49% | 1.67% |
| Q3 2025 | $156.3M | $209.9M | 14.56% | 11.04% | 3.02% |
| Q4 2025 | $151.6M | $205.9M | 15.74% | 10.32% | 2.86% |
| Q1 2026 | $148.3M | $210.1M | 15.30% | 9.79% | 2.82% |
| Q2 2026 | $156.6M | $216.5M | 14.30% | 8.89% | 3.25% |
Quoin Financial Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Quoin Financial Bank, freeSource: Call Report Schedule RC-C, 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)