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Monroe Federal Savings and Loan Association

Tipp City, OH · Cert 29578 · Monroe Federal Bcorp Inc.

State savings bank · OCC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

7

Q2 2024Q2 2026peer median (50)

Asset Quality

69

Q2 2024Q2 2026peer median (50)

Profitability

5

Q2 2024Q2 2026peer median (50)

Liquidity

43

Q2 2024Q2 2026peer median

Efficiency

3

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Monroe Federal Savings and Loan Association

Tipp City, OH · Cert 29578 · Monroe Federal Bcorp Inc.

State savings bank · OCC · 4 branches

Q2 2026

$144.5MAssets
$112.8MLoans
$124.5MDeposits
$11.0MEquity
Loan mix
94%RE $104.2M5%C&I $6.1M1%Consumer $1.1MQ3 2024Q2 2026
Deposit mix
92%Interest-bearing $114.4M8%Noninterest $10.1MQ3 2024Q2 2026

Market Position · Dayton-Kettering-Beavercreek, OH · 2026 SOD (annual) · 0.8% share · #14 of 26 inst. · $0.1B of $16.3B

2.8% Miami
0.5% Montgomery

Executive Summary

  • Earnings: ROA of -0.22%, down 12 bps year over year; NIM at 2.69%.
  • Asset quality: problem loans at 0.22% of loans (-38 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.86%, down 1 bps from a year ago.
  • Funding: loans stand at 90.65% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

-0.22%-12 bps YoY

Net Interest Margin (YTD, annualized)

2.69%+18 bps YoY

Efficiency Ratio (YTD, annualized)

100.19%-662 bps YoY

Tier 1 Leverage Ratio

9.86%-1 bps YoY

NIM

3.87%Q2 ’244.13%Q2 ’254.39%Q2 ’26-1%+7%

Non-interest income vs. expense

2.99%Q2 ’242.92%Q2 ’252.93%Q2 ’26-3%0%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.13%-0.15%0.09%-0.10%-0.11%-0.03%-0.53%-0.22%-12 bps
Return on Equity-2.24%-2.56%1.26%-1.46%-1.50%-0.37%-7.06%-2.94%-148 bps
Net Interest Margin2.46%2.52%2.53%2.51%2.53%2.52%2.57%2.69%+18 bps
Efficiency Ratio110.27%108.26%106.74%106.81%106.38%104.63%105.99%100.19%-662 bps
Non-Interest Burden2.73%2.75%2.72%2.70%2.71%2.65%2.74%2.70%0 bps
Growth
Asset Growth (YoY)-2.35%-7.86%-7.03%-1.26%-0.09%2.26%-1.12%-0.74%+52 bps
Loan Growth (YoY)-1.59%-3.02%-0.81%-0.50%1.15%3.77%3.23%3.27%+377 bps
Deposit Growth (YoY)-2.75%-8.25%-13.95%-2.25%-2.74%-1.10%3.17%-2.21%+5 bps
Asset Quality
Nonperforming Loans / Loans0.22%0.65%0.58%0.59%0.56%0.48%0.22%0.22%-38 bps
Net Charge-Offs / Loans-0.05%-0.04%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.80%0.85%0.79%0.86%0.86%0.79%0.72%0.71%-14 bps
Allowance Coverage of NPLs3.7x1.3x1.4x1.4x1.5x1.7x3.2x3.3x+1.8x
Capital
Tier 1 Leverage Ratio8.54%9.80%10.00%9.86%9.70%9.73%9.60%9.86%-1 bps
Total Risk-Based Capital13.93%9.80%10.00%9.86%9.70%9.73%9.60%9.86%-1 bps
Equity / Assets6.14%6.88%7.12%7.04%7.21%7.42%7.61%7.64%+61 bps
Liquidity & Funding
Loans / Deposits85.63%81.69%87.98%85.85%89.06%85.72%88.02%90.65%+480 bps
Liquid Assets / Assets0.62%0.74%0.75%0.71%0.56%0.54%0.40%0.54%-16 bps
CRE / Total Capitaln/an/an/an/a189.55%209%220%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Monroe Federal Savings and Loan Association

Tipp City, OH · Cert 29578 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Monroe Federal Bcorp Inc.

State savings bank · OCC · 4 branches

Q2 2026

$144.5MAssets
$112.8MLoans
$124.5MDeposits
$11.0MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 73% of banks under $1B in assets operating in a single state (rank 207 of 743).
  • Widest gap: return on equity trails 98% of banks under $1B in assets operating in a single state (rank 730 of 746).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

-0.22%

Rank 724 of 746

Net Interest Margin

2.69%

Rank 679 of 746

Efficiency Ratio

100.19%

Rank 725 of 746

Equity / Assets

7.64%

Rank 667 of 746

Non-interest income vs. expense

$0.3M$4.2MINCOMEEXPENSE
Unfavorable gap of $3.9M · efficiency ratio beats 3% of banks under $1B in assets operating in a single state
Bank 100.19%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets-0.22%0.72%1.06%1.45%Beats 3%724 / 746
Return on Equity-2.91%6.74%10.51%13.63%Beats 2%730 / 746
Net Interest Margin2.69%3.17%3.68%4.16%Beats 9%679 / 746
Efficiency Ratio100.19%55.74%64.58%75.47%Beats 3%725 / 746
Asset Quality
Nonperforming Loans / Loans0.22%0.09%0.42%1.07%Beats 65%263 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 73%207 / 743
Capital
Tier 1 Capital Ratio9.86%11.55%13.75%17.60%Beats 6%704 / 746
Total Risk-Based Capital Ratio9.86%11.71%14.33%18.43%Beats 5%706 / 746
Equity / Assets7.64%8.90%10.51%13.06%Beats 11%667 / 746
Liquidity & Funding
Loans / Deposits90.65%61.31%78.27%90.78%75th pctl190 / 746
Loans / Assets78.07%53.60%66.97%76.08%80th pctl149 / 746
Brokered Deposits / Depositsn/aNot reported for this institution