TellerScore

Quoin Financial Bank (FDIC certificate #15629) is based in Miller, South Dakota. Its Q2 2026 call report shows $250.7M in total assets and $216.5M in deposits and 3 offices.

Quoin Financial Bank has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 34% of its 2,650 banks with $100 million – $1 billion. Among 56 banks headquartered in South Dakota, it ranks 40th. Problem-loan coverage contributes the most (98/100, 1.1%); capital cushion contributes the least (29/100, 7.90%).

TellerScore · Q2 2026

Scorecard

Capital cushion29/100
Tier 1 leverage ratio: 7.90%
Loan quality93/100
Noncurrent loans ÷ total loans: 0.21%
Earnings67/100
Return on assets (annualized): 1.17%
Funding & liquidity80/100
Loans ÷ deposits and uninsured-deposit share: 71.9% · 22.1% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.09%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (68 → 67).

TellerScore
677174Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202474
Q4 202473
Q1 202569
Q2 202568
Q3 202570
Q4 202570
Q1 202667
Q2 202667
Tier 1 leverage ratio
5.00%6.95%8.91%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.44%
Q3 20248.91%
Q4 20248.52%
Q1 20258.54%
Q2 20258.31%
Q3 20258.30%
Q4 20257.99%
Q1 20268.00%
Q2 20267.90%
Noncurrent loans
0.00%0.11%0.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.03%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.09%
Q3 20250.09%
Q4 20250.10%
Q1 20260.22%
Q2 20260.21%
Return on assets
0.86%1.21%1.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.55%
Q3 20241.55%
Q4 20241.52%
Q1 20250.86%
Q2 20251.01%
Q3 20251.22%
Q4 20251.28%
Q1 20261.03%
Q2 20261.17%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$250.7M7.90%0.21%1.17%71.9%
Q1 202667$244.8M8.00%0.22%1.03%70.2%
Q4 202570$241.5M7.99%0.10%1.28%73.2%
Q3 202570$245.7M8.30%0.09%1.22%74.1%
Q2 202568$243.3M8.31%0.09%1.01%76.4%
Q1 202569$247.3M8.54%0.00%0.86%72.1%
Q4 202473$237.8M8.52%0.00%1.52%77.5%
Q3 202474$229.1M8.91%0.00%1.55%79.4%
Q2 202472$226.4M8.44%0.03%1.55%80.2%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio7.90%
2nd
Total risk-based capital12.79%
56th
Problem loans0.21%
64th
Net charge-offs0.01%
43rd
Return on assets1.17%
45th
Net interest margin4.89%
90th
Efficiency ratio58.2%
62nd
Loans to deposits71.9%
66th
Uninsured deposits22.1%
56th
Loan-loss reserves0.51%
3rd
Texas ratio1.1%
68th

Similar-size banks in South Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
Security National Bank of South DakotaBank Dakota Dunes, SD93 out of 100, Very strong$251.5M14.1%0.00%vs
Farmers State BankBank Parkston, SD76 out of 100, Strong$254.8M10.0%0.00%vs
Commercial State Bank, of WagnerBank Wagner, SD66 out of 100, Moderate$260.4M11.8%2.29%vs
Campbell County Bank, Inc.Bank Herreid, SD82 out of 100, Strong$240.7M12.9%0.58%vs
Merchants State BankBank Freeman, SD91 out of 100, Very strong$219.6M17.3%0.32%vs
One American BankBank Centerville, SD40 out of 100, Below average$285.2M8.3%1.56%vs

Deposit insurance

Is my money safe at Quoin Financial Bank?

Yes. Quoin Financial Bank is an FDIC-insured institution (FDIC certificate #15629). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 22.1% of deposits ($47.9M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 7.90%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.79% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Quoin Financial Bank lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Quoin Financial Bank
Former names
The First State Bank of Highmore; First State Bank of Miller
Type
State-chartered bank
FDIC certificate #
15629
RSSD ID
592550
Primary regulator
FDIC
Holding company
Independent Bancshares Inc
Established
January 1, 1938
Headquarters
201 N Broadway Ave, Miller, SD 57362
Employees
37

Quick answers

Quoin Financial Bank: common questions

Is Quoin Financial Bank FDIC insured?

Yes. Quoin Financial Bank is an FDIC-insured institution (FDIC certificate #15629). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Quoin Financial Bank's TellerScore?

67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Quoin Financial Bank ever failed?

There is no failure record for FDIC certificate #15629 in the FDIC failed bank list.

How many branches does Quoin Financial Bank have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Miller

InstitutionScoreAssetsCapitalProblem loansCompare
Heartland State BankBank Redfield, SD79 out of 100, Strong$154.0M9.9%0.00%vs
American Bank & TrustBank Sioux Falls, SD72 out of 100, Strong$2.2B11.3%0.57%vs