Quoin Financial Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Quoin Financial Bank of Miller, SD against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.29% | 1.34% | -0.05% | 52nd above |
| ROAE | 10.94% | 13.31% | -2.37% | 41st below |
| Net Interest Margin | 4.90% | 3.93% | +0.97% | 90th top |
| Efficiency Ratio | 54.99% | 61.14% | -6.15% | 69th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.62% | 1.68% | -0.06% | 52nd above |
| Yield on Earning Assets | 6.85% | 5.67% | +1.18% | 93rd top |
| Cost of Funds | 2.04% | 1.88% | +0.16% | 35th below |
| Net Interest Spread | 4.37% | 3.32% | +1.05% | 92nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.21% | 0.94% | -0.73% | 63rd above |
| NPA / Total Assets | 0.13% | 0.70% | -0.57% | 66th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.16% | -0.16% | 48th below |
| ACL / Total Loans | 0.51% | 1.28% | -0.77% | 3rd bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 243.33% | 1539.02% | -1295.69% | 54th above |
| Texas Ratio | 1.65% | 7.33% | -5.68% | 66th above |
| Provision / NCO | 0.00% | 1396.00% | -1396.00% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.27% | 19.50% | -7.23% | 20th bottom |
| Tier 1 Ratio | 12.27% | 19.54% | -7.27% | 20th bottom |
| Total Capital Ratio | 12.79% | 20.62% | -7.83% | 14th bottom |
| Leverage Ratio | 7.89% | 12.14% | -4.25% | 2nd bottom |
| Equity / Assets | 11.80% | 11.37% | +0.43% | 69th above |
| TCE / Tangible Assets | 7.98% | 11.09% | -3.11% | 16th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 72.32% | 80.64% | -8.32% | 67th above |
| Core Deposit Ratio | 90.54% | 86.86% | +3.68% | 58th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.04% | 6.85% | -3.81% | 40th below |
| Loan Growth (Y/Y) | 0.09% | 7.90% | -7.81% | 23rd bottom |
| Deposit Growth (Y/Y) | 6.32% | 6.29% | +0.03% | 66th above |
See Quoin Financial Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Quoin Financial Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Quoin Financial Bank profile, how to read a UBPR, or how this data updates.