Bank · FDIC insured
Quoin Financial Bank
A $250.7M bank headquartered in Miller, SD, with 3 branches in South Dakota. Best rates: CDs 4.60% and savings 0.01% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—4.60%CD rates →
- Savings660.40%0.75% with extra requirementsSavings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Quoin Financial Bank
Quoin Financial Bank is an independent bank serving the communities of Miller, Highmore, and Sioux Falls, South Dakota.
- Headquarters
- 201 N Broadway Ave, Miller, SD 57362
- FDIC certificate
- 15629 ↗
Branches
3 branches in South Dakota
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South Dakota
3 branches
Miller area · 1
- Quoin Financial BankMain office201 N Broadway Ave, Miller, SD 57362Directions
Highmore area · 1
- Highmore Branch209 Commercial Ave Se, Highmore, SD 57345Directions
Sioux Falls area · 1
- Sioux Falls Branch5700 S Remington Pl, Sioux Falls, SD 57108Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 7.89% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.21% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.17% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $72 | $81 | — |
- CapitalLeverage ratio7.89%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.21%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.17%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$72Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Quoin Financial Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.