Compared with South Dakota
7 of 17
compared fees are above the median.
8 below, 2 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
21st percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the South Dakota median
of 17 compared; 8 below, 2 about the same
See the feesFee schedule read Nov 1, 2026
Call-report figures are for Quoin Financial Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,681 banks with under $300M in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the South Dakota median | Published fees above the South Dakota median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Quoin Financial Bank's published fee schedule; Bank Fee Index medians | Current schedule | Nov 1, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.0% of revenue, below the 2.1% median of 1,681 banks with under $300M in assets (21st percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $31K in Q2 2026, 3.1% below the same quarter a year earlier ($32K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
7 of 17 compared published fees sit above the South Dakota median; 8 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with South Dakota medians for fees published by banks and credit unions.
Non-Network ATM
Compared at $2, the middle of its prices
Overdraft (OD)
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for South Dakota, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 21% from Q3 2025 to Q2 2026, to $31K. Its share of revenue, 1.0%, is below the 2.1% median for banks with under $300M in assets.
$31K
Quoin Financial BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,681 banks with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Non-network ATM: Listed at $2 to $3; we compare the midpoint.
Quoin Financial Bank · $251M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Quoin Financial Bank(this institution) | Miller, SD | $251M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 1st National Bank | Lebanon, OH | $247M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Alliant Bank | Madison, MO | $256M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank of Easton | North Easton, MA | $249M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank of Perry County | Lobelville, TN | $253M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cendera Bank | Bells, TX | $258M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens Bank of Eldon | Eldon, MO | $247M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Citizens Progressive Bank | Winnsboro, LA | $243M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Drake Bank | Saint Paul, MN | $247M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Farmers & Merchants State Bank | Waterloo, WI | $246M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Federal Savings and Loan Association | Delta, OH | $246M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Financial Bank | Bessemer, AL | $248M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First National Bank of Burleson | Burleson, TX | $251M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First National Bank USA | Boutte, LA | $249M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Heartland Bank | Somers, IA | $256M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Homeland Community Bank | McMinnville, TN | $244M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Hometown Bank | Kent, OH | $255M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lee Bank and Trust Company | Pennington Gap, VA | $257M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Mi Bank | Bloomfield Township, MI | $245M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Raritan State Bank | Raritan, IL | $254M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Security Bank | New Auburn, WI | $254M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Security National Bank of South Dakota | Dakota Dunes, SD | $251M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Farmers State Bank of Westmoreland | Westmoreland, KS | $258M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Peoples Bank of Georgia | Talbotton, GA | $252M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Wayne Bank and Trust Co. | Richmond, IN | $255M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Western National Bank | Chester, NE | $257M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5.87 among 15 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Quoin Financial Bank does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Quoin Financial Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $31K | $0 | 0.0% |
| Q1 2026 | $31K | −$7K | −18.4% |
| Q4 2025 | $38K | −$1K | −2.6% |
| Q3 2025 | $39K | +$7K | +21.9% |
| Q2 2025 | $32K | −$3K | −8.6% |
| Q1 2025 | $35K | $0 | 0.0% |
| Q4 2024 | $35K | +$1K | +2.9% |
| Q3 2024 | $34K | +$4K | +13.3% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, Quoin Financial Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Quoin Financial Bank by share.
Amounts from Quoin Financial Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour
per hour
per month
per item
per item
per item
per item
per item
per statement · Account Statement & Image Reproduction $10 per statement
per statement · Account Statement Reproduction $3 per statement
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account Fee - Checking | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Account Fee - Savings | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactive Account Fee - Checking | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactive Account Fee - Savings | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Balancing Assistance | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research | $50Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Fee | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft Charge | $33Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
ATM & Card | |||
| ATM Balance Inquiry Using Visa Check Card (Debit Card) | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM Transfers Using Visa Check Card (Debit Card) | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| ATM Withdrawal Using Visa Check Card (Debit Card) | $3Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replace Visa Check Card (Debit Card) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Visa Check Card (Debit Card) Same Day Rush Embossing | $30Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| International Service Assessment | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfers - Domestic Outgoing | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfers - Domestic Incoming | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfers - Foreign Outgoing | $55Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Wire Transfers - Foreign Incoming | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashiers Check | $4Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order - Customers | $2Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Money Order - Non-customers | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment | $33Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter Checks | $0.50Below the U.S. middle 50% ($1 to $4 nationally) | per item | None |
Cash & Deposit | |||
| Deposit Item Return Charge | $5Below the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Account Services | |||
| Garnishments | $40Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Levies | $40Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Account Statement & Image Reproduction | $10Not compared: Charged per statement; comparison unavailable | per statement | Account Statement & Image Reproduction $10 per statement |
| Account Statement Reproduction | $3Not compared: Charged per statement; comparison unavailable | per statement | Account Statement Reproduction $3 per statement |
| Photocopies | $0.25Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Nov 1, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Quoin Financial Bank operates, and what regulators and customers have on file.
Branch footprint
3 offices in 1 state, $216.5M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 2 | $159.4M |
| 1 | $57.1M |
Sioux Falls, SD-MN
0% of bank deposits, #32 of 42, unchanged over five years.
| Largest competitors here | Deposit share |
|---|---|
| Citibank, National Association | 56.5% |
| Wells Fargo Bank, National Association | 41% |
| The Bancorp Bank, National Association | 0.7% |
| Pathward, National Association | 0.5% |
| First PREMIER Bank | 0.2% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Sioux Falls, SD-MN, Quoin Financial Bank holds 0% of bank deposits, #32 of 42, with 1 office.
159 offices of 47 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 42 institutions shown. $1.1T in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0% share, 1 office, #32 of 42
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
23 offices of 6 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.