PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 $1.1MQ2 2025Q2 2026
Deposit mix
92%Interest-bearing $114.4M8%Noninterest $10.1MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.10%-0.11%-0.03%-0.53%-0.22%-12 bps
Return on Equity-1.46%-1.50%-0.37%-7.06%-2.94%-148 bps
Net Interest Margin2.51%2.53%2.52%2.57%2.69%+18 bps
Efficiency Ratio106.81%106.38%104.63%105.99%100.19%-662 bps
Non-Interest Burden2.70%2.71%2.65%2.74%2.70%0 bps
Growth
Asset Growth (YoY)-1.26%-0.09%2.26%-1.12%-0.74%+52 bps
Loan Growth (YoY)-0.50%1.15%3.77%3.23%3.27%+377 bps
Deposit Growth (YoY)-2.25%-2.74%-1.10%3.17%-2.21%+5 bps
Asset Quality
Nonperforming Loans / Loans0.59%0.56%0.48%0.22%0.22%-38 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.86%0.86%0.79%0.72%0.71%-14 bps
Allowance Coverage of NPLs1.4x1.5x1.7x3.2x3.3x+1.8x
Capital
Tier 1 Leverage Ratio9.86%9.70%9.73%9.60%9.86%-1 bps
Total Risk-Based Capital9.86%9.70%9.73%9.60%9.86%-1 bps
Equity / Assets7.04%7.21%7.42%7.61%7.64%+61 bps
Liquidity & Funding
Loans / Deposits85.85%89.06%85.72%88.02%90.65%+480 bps
Liquid Assets / Assets0.71%0.56%0.54%0.40%0.54%-16 bps
CRE / Total Capitaln/a189.55%209%220%n/an/a