Monroe Federal Savings and Loan Association
Tipp City, OH · Cert 29578 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · 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 751).
- Widest gap: return on equity trails 98% of banks under $1B in assets operating in a single state (rank 737 of 755).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
-0.22%
Rank 732 of 755
Net Interest Margin
2.69%
Rank 685 of 755
Efficiency Ratio
100.19%
Rank 732 of 755
Equity / Assets
7.64%
Rank 674 of 755
Non-interest income vs. expense
Unfavorable gap of $3.9M · efficiency ratio beats 3% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.22% | 0.72% | 1.06% | 1.45% | Beats 3% | 732 / 755 | |
| Return on Equity | -2.91% | 6.66% | 10.44% | 13.61% | Beats 2% | 737 / 755 | |
| Net Interest Margin | 2.69% | 3.15% | 3.68% | 4.17% | Beats 9% | 685 / 755 | |
| Efficiency Ratio | 100.19% | 55.75% | 64.78% | 75.61% | Beats 3% | 732 / 755 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.22% | 0.09% | 0.42% | 1.05% | Beats 64% | 271 / 751 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 73% | 207 / 751 | |
| Capital |
| Tier 1 Capital Ratio | 9.86% | 11.56% | 13.81% | 17.74% | Beats 5% | 714 / 755 | |
| Total Risk-Based Capital Ratio | 9.86% | 11.72% | 14.46% | 18.53% | Beats 5% | 716 / 755 | |
| Equity / Assets | 7.64% | 8.93% | 10.56% | 13.13% | Beats 11% | 674 / 755 | |
| Liquidity & Funding |
| Loans / Deposits | 90.65% | 62.43% | 78.62% | 91.00% | 74th pctl | 197 / 755 | |
| Loans / Assets | 78.07% | 54.70% | 67.27% | 76.55% | 79th pctl | 160 / 755 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |