Total Assets
$242M
Total balance-sheet footings
FDIC Cert #15629 · Miller, South Dakota · Est. 1938
Quoin Financial Bank - FDIC Bank Health Profile
A community-scale look at Quoin Financial Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $242M
- Total assets
- A
- Health grade · Excellent
- 1.28%
- Return on assets
- 12.2%
- Tier 1 capital
Data updated July 2026
The verdict
Quoin Financial Bank earns a PlainBankData health grade of A (87/100), with well-capitalized at 12.17% Tier 1, profitable at 1.28% ROA, efficient (52% cost ratio).
- #2,785
- largest of 4,313 FDIC banks by assets
- 35th
- percentile by asset size, nationally
- 12.17%
- Tier 1 ratio - above the 10% well-capitalized line
- 63rd
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Quoin Financial Bank's 87/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Quoin Financial Bank's composite health score
Tier 1 Capital Ratio (12.17%) 35/40
Return on Assets (ROA) (1.28%) 20/25
Texas Ratio (0.49%) 20/20
Efficiency Ratio (51.75%) 12/15
87 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$206M
Customer-funded liabilities
Net Loans
$151M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Quoin Financial Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Quoin Financial Bank's score of 87/100 falls in the highlighted band.
Quoin Financial Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Quoin Financial Bank's $242M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.17% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.17%
Texas Ratio
0.49%
Equity Capital
$30M
Profitability metrics
Return on Assets (ROA)
63rd percentile nationally
1.28%
Return on Equity (ROE)
9.73%
Efficiency Ratio
51.75%
What the numbers say about Quoin Financial Bank
Quoin Financial Bank is an FDIC-insured institution (Certificate #15629) headquartered in Miller, South Dakota, established in 1938. It holds $242M in total assets - 2,785th of 4,313 FDIC-insured banks, $206M in customer deposits, and $151M in net loans. Looking at capital strength, Tier 1 stands at 12.17%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.49%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (87/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within South Dakota, Quoin Financial Bank ranks 32nd of 56 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$16M
Interest Income
$949K
Non-Interest Income
$8M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Quoin Financial Bank reports a Texas Ratio of 0.49% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.49% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in South Dakota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Quoin Financial Bank (FDIC Cert #15629) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in South Dakota
All South Dakota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Citibank, National AssociationSioux Falls | $1.84T | A | 0.85% |
| Wells Fargo Bank, National AssociationSioux Falls | $1.82T | A | 1.41% |
| The Bancorp Bank, National AssociationSioux Falls | $9.3B | A | 2.81% |
| Pathward, National AssociationSioux Falls | $7.6B | A | 2.65% |
| Dacotah BankAberdeen | $4.8B | B | 1.01% |
| First Bank & TrustBrookings | $4.7B | B | 1.02% |
| First PREMIER BankSioux Falls | $4.2B | A | 1.67% |
| First Dakota National BankYankton | $3.2B | A | 1.38% |
Frequently asked questions
What is Quoin Financial Bank's health grade?▼
Quoin Financial Bank receives a health grade of A (87/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Quoin Financial Bank?▼
Quoin Financial Bank holds $242M in total assets and $206M in deposits, ranking 2,785th of 4,313 FDIC-insured banks by asset size. It is headquartered in Miller, South Dakota.
Is my money safe at Quoin Financial Bank?▼
Yes, deposits at Quoin Financial Bank (Certificate #15629) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Quoin Financial Bank's Tier 1 Capital Ratio?▼
Quoin Financial Bank has a Tier 1 Capital Ratio of 12.17%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Quoin Financial Bank?▼
Quoin Financial Bank has a Texas Ratio of 0.49%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Quoin Financial Bank?▼
Quoin Financial Bank has an Efficiency Ratio of 51.75%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Quoin Financial Bank's profile as a depositor or analyst.
- Quoin Financial Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Quoin Financial Bank against other South Dakota banks before moving funds. South Dakota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.