Tipp City, OH · Cert 29578 · Monroe Federal Bcorp Inc.
State savings bank · OCC · 4 branches
Q2 2026
Market Position · Dayton-Kettering-Beavercreek, OH · 2026 SOD (annual) · 0.8% share · #14 of 26 inst. · $0.1B of $16.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.23% | -0.23% | 0.09% | -0.29% | -0.11% | 0.21% | -0.53% | 0.09% | +38 bps | |
| Return on Equity | -3.95% | -3.48% | 1.26% | -4.13% | -1.61% | 2.85% | -7.06% | 1.17% | +530 bps | |
| Net Interest Margin | 2.25% | 2.53% | 2.53% | 2.50% | 2.65% | 2.51% | 2.57% | 2.74% | +24 bps | |
| Efficiency Ratio | 114.56% | 102.27% | 106.74% | 106.88% | 105.58% | 99.62% | 105.99% | 94.57% | -1,231 bps | |
| Non-Interest Burden | 2.61% | 2.60% | 2.72% | 2.69% | 2.81% | 2.50% | 2.74% | 2.58% | -11 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 / Loans | 0.22% | 0.65% | 0.58% | 0.59% | 0.56% | 0.48% | 0.22% | 0.22% | -38 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.80% | 0.85% | 0.79% | 0.86% | 0.86% | 0.79% | 0.72% | 0.71% | -14 bps | |
| Allowance Coverage of NPLs | 3.7x | 1.3x | 1.4x | 1.4x | 1.5x | 1.7x | 3.2x | 3.3x | +1.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.54% | 9.80% | 10.00% | 9.86% | 9.70% | 9.73% | 9.60% | 9.86% | -1 bps | |
| Total Risk-Based Capital | 13.93% | 9.80% | 10.00% | 9.86% | 9.70% | 9.73% | 9.60% | 9.86% | -1 bps | |
| Equity / Assets | 6.14% | 6.88% | 7.12% | 7.04% | 7.21% | 7.42% | 7.61% | 7.64% | +61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.63% | 81.69% | 87.98% | 85.85% | 89.06% | 85.72% | 88.02% | 90.65% | +480 bps | |
| Liquid Assets / Assets | 0.62% | 0.74% | 0.75% | 0.71% | 0.56% | 0.54% | 0.40% | 0.54% | -16 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 189.55% | 209% | 220% | n/a | n/a | |