Quoin Financial Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Securities to assets climbed 5.33 percentage points in Q2 2026, from 16.16% to 21.49%. It was the largest change from Q1 2026 among the key lines here. Within South Dakota, Quoin Financial Bank is 32nd of 56 on return on assets, 1.29% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Quoin Financial Bank sits 0.04 points higher, at 1.29% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.27% |
| Tier 1 risk-based capital ratio | 12.27% |
| Total risk-based capital ratio | 12.79% |
| Tier 1 leverage ratio | 7.89% |
| Equity capital to assets | 11.80% |
| Tangible equity to tangible assets | 7.98% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.21% |
| Non-performing assets ratio | 0.13% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.65% |
| Allowance for credit losses to loans | 0.51% |
| Reserve coverage of non-performing loans | 243.33% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.29% |
| Return on equity | 10.94% |
| Net interest margin | 4.90% |
| Efficiency ratio | 54.99% |
| Yield on earning assets | 6.85% |
| Cost of funds | 2.04% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.32% |
| Core deposits to total deposits | 90.54% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.35% |
| Securities to assets | 21.49% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 12.74% | 0.14% |
| Q4 2023 | 10.65% | 10.65% | 11.19% | 8.08% | -2.70% |
| Q1 2024 | 11.97% | 11.97% | 12.55% | 8.25% | 1.36% |
| Q2 2024 | 12.25% | 12.25% | 12.80% | 8.44% | 1.70% |
| Q3 2024 | 12.78% | 12.78% | 13.33% | 8.91% | 1.56% |
| Q4 2024 | 13.07% | 13.07% | 13.62% | 8.52% | 1.39% |
| Q1 2025 | 13.50% | 13.50% | 14.06% | 8.54% | 0.86% |
| Q2 2025 | 13.01% | 13.01% | 13.55% | 8.31% | 1.13% |
| Q3 2025 | 12.05% | 12.05% | 12.57% | 8.30% | 1.67% |
| Q4 2025 | 12.17% | 12.17% | 12.70% | 7.99% | 1.43% |
| Q1 2026 | 12.45% | 12.45% | 12.99% | 8.00% | 1.03% |
| Q2 2026 | 12.27% | 12.27% | 12.79% | 7.89% | 1.29% |
Quoin Financial Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Quoin Financial Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)