Quoin Financial Bank (FDIC #15629): Bank Stress & Real-Estate Credit Exposure
Quoin Financial Bank (FDIC Cert #15629): bank stress 61/100, elevated, STABLE over 7 days; parent INDEPENDENT BANCSHARES INC.
Quoin Financial Bank (#15629) lends in 3 counties across 1 state; Quoin Financial Bank (#15629) reaches 24 ZIP codes: South Dakota 3 counties, 24 ZIPs.
Quoin Financial Bank (#15629) largest markets: Lincoln County, SD (12 branches, 12 ZIPs) (#15629), Hand County, SD (8 branches, 8 ZIPs) (#15629), Hyde County, SD (5 branches, 5 ZIPs) (#15629).
Quoin Financial Bank (#15629) reports $250.7 million in total assets; Quoin Financial Bank (#15629) equity $29.6 million (11.8% of Quoin Financial Bank (#15629) assets); Quoin Financial Bank (#15629) domestic deposits $216.5 million; Quoin Financial Bank (#15629) net income $1.4 million; Quoin Financial Bank (#15629) return on assets 1.17%; Quoin Financial Bank (#15629) return on equity 9.59%; Quoin Financial Bank (#15629) net interest income $5.4 million; Quoin Financial Bank (#15629) call report June 30, 2026.
Quoin Financial Bank (#15629) noncurrent real-estate loans: none reported; Quoin Financial Bank (#15629) net charge-offs on real estate 0.26%; Quoin Financial Bank (#15629) residential charge-offs 0.63%.
Quoin Financial Bank (#15629) net interest margin 4.89% against an eight-quarter Quoin Financial Bank (#15629) average of 5.27% (Quoin Financial Bank (#15629) compression 0.37 points); Quoin Financial Bank (#15629) non-residential real estate 63.4% of equity; Quoin Financial Bank (#15629) rate-exposure score 40/100, Quoin Financial Bank (#15629) fixed-rate trap 40/100; Quoin Financial Bank (#15629) risk type credit driven; Quoin Financial Bank (#15629) rate regime rates elevated, Quoin Financial Bank (#15629) snapshot October 19, 2026.
Quoin Financial Bank (#15629) stress score held at 60.8 across 116 daily snapshots, June 22, 2026 to October 19, 2026.
Quoin Financial Bank (#15629) alerts: 3 counties; top Quoin Financial Bank (#15629) alert scores: Highmore County, SD 21 (low); Miller County, SD 21 (low); Sioux Falls County, SD 21 (low).