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
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 | 8-Qtr Trend | Peer 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 Margin | 2.69% | 3.17% | 3.68% | 4.16% | Beats 9% | 679 / 746 | | |
| Efficiency Ratio | 100.19% | 55.74% | 64.58% | 75.47% | Beats 3% | 725 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.22% | 0.09% | 0.42% | 1.07% | Beats 65% | 263 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 73% | 207 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 9.86% | 11.55% | 13.75% | 17.60% | Beats 6% | 704 / 746 | | |
| Total Risk-Based Capital Ratio | 9.86% | 11.71% | 14.33% | 18.43% | Beats 5% | 706 / 746 | | |
| Equity / Assets | 7.64% | 8.90% | 10.51% | 13.06% | Beats 11% | 667 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 90.65% | 61.31% | 78.27% | 90.78% | 75th pctl | 190 / 746 | | |
| Loans / Assets | 78.07% | 53.60% | 66.97% | 76.08% | 80th pctl | 149 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |