Bank of Monroe, The
Union, WV · Cert 6180 · Peer group: banks under $1B in assets (n=581-629) · Union Bankshares Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
$255.4MAssets
$157.0MLoans
$224.2MDeposits
$30.0MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 81% of banks under $1B in assets (rank 121 of 629).
- Widest gap: net interest margin trails 53% of banks under $1B in assets (rank 331 of 629).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.37%
Rank 176 of 629
Net Interest Margin
3.50%
Rank 331 of 629
Efficiency Ratio
58.34%
Rank 157 of 629
Equity / Assets
11.76%
Rank 244 of 629
Non-interest income vs. expense
Unfavorable gap of $4.5M · efficiency ratio beats 75% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.37% | 0.60% | 1.01% | 1.45% | Beats 72% | 176 / 629 | |
| Return on Equity | 11.65% | 5.38% | 9.30% | 13.28% | Beats 65% | 221 / 629 | |
| Net Interest Margin | 3.50% | 3.03% | 3.54% | 4.05% | Beats 47% | 331 / 629 | |
| Efficiency Ratio | 58.34% | 58.35% | 67.79% | 79.08% | Beats 75% | 157 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.34% | 0.09% | 0.46% | 1.20% | Beats 56% | 256 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 68% | 190 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 21.49% | 11.24% | 13.84% | 18.77% | Beats 80% | 125 / 629 | |
| Total Risk-Based Capital Ratio | 22.79% | 11.58% | 14.43% | 19.66% | Beats 81% | 121 / 629 | |
| Equity / Assets | 11.76% | 9.09% | 10.65% | 13.80% | Beats 61% | 244 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 70.04% | 67.24% | 80.90% | 93.48% | 31st pctl | 412 / 594 | |
| Loans / Assets | 61.48% | 53.31% | 67.71% | 78.15% | 37th pctl | 394 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |