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Monroe Federal Savings and Loan Association

$100M-$1B Specialty: Commercial OH FDIC cert 29578

Tipp City, OH

4 branches across OH

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in OH.
  • Deposits -2.2% year over year ($124.5M on the books).
  • Delinquency rate 0.22%.
  • Return on assets -0.22%.
  • Efficiency ratio 100.19% vs a 64.48% peer average.
  • Loan-to-deposit ratio 90.01% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in OH
View $100M-$1B leaderboard (OH) →

Monroe Federal Savings and Loan Association has 1 strength but faces 7 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.70% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 8.2% in tier
  • - Liquidity Strain: Bottom 12.7% in tier
  • - Deposit Outflow: Bottom 43.5% in tier
  • - Efficiency Drag: Bottom 49.6% in tier
  • - Return on Assets 1.54% below tier average
  • - Net Interest Margin 1.05% below tier average
  • - Non-Interest-Bearing Deposit Share 13.94% below tier average
Get updates when Monroe Federal Savings and Loan Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $144.5M
-0.7% YoY +1.2% QoQ
-$242.0M $386.6M
+1.2% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
Bottom 12.4% in tier
Total Loans ? $112.0M
+3.4% YoY +1.4% QoQ
-$146.3M $258.3M
+1.7% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
23%
Total Deposits ? $124.5M
-2.2% YoY -1.6% QoQ
-$202.3M $326.7M
+0.7% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
Bottom 13.4% in tier
Return on Assets ? -0.22%
-117.3% YoY +58.2% QoQ
-1.54% 1.32%
+10.8% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
Bottom 2.6% in tier
Net Interest Margin ? 2.94%
+5.9% YoY +2.0% QoQ
-1.05% 3.99%
+5.0% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
Bottom 8.3% in tier
Efficiency Ratio ? 100.19%
-6.2% YoY -5.5% QoQ
+35.71% 64.48%
-3.2% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
Bottom 2.2% in tier
Delinquency Rate ? 0.22%
-63.1% YoY -2.1% QoQ
-0.70% 0.92%
+15.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
64%
Loan-to-Deposit Ratio ? 90.01%
+5.7% YoY +3.0% QoQ
+12.06% 77.95%
+1.0% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
26%
Non-Interest-Bearing Deposit Share ? 8.09%
-2.8% YoY +10.4% QoQ
-13.94% 22.03%
-0.6% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
Bottom 7.3% in tier
Nonperforming Asset Ratio ? 0.17%
-61.6% YoY -2.0% QoQ
-0.50% 0.67%
+16.4% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
63%
Tier 1 Capital Ratio ? 9.86%
-0.1% YoY +2.6% QoQ
-6.05% 15.91%
+1.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
Bottom 8.8% in tier
Non-Interest Income / Assets ? 0.12%
+5.1% YoY +95.3% QoQ
-0.45% 0.57%
+7.6% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
25%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Noninterest-Bearing 8.1%
-0.2pp YoY
+0.8pp QoQ
 -14.1pp 22.1% 18.8% 22.2% 7%
Brokered Deposits 2.5%
0.0pp QoQ
 -5.4pp 7.9% 7.7% 8.5% 34%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
C&I 5.5%
+1.4pp YoY
0.0pp QoQ
 -6.0pp 11.6% 10.2% 12.5% 23%
CRE 29.5%
+4.2pp YoY
+1.4pp QoQ
 -10.0pp 39.5% 34.2% 41.4% 34%
1-4 Family 64.6%
-5.2pp YoY
-1.4pp QoQ
 +32.0pp 32.6% 50.0% 31.3% 92%
Consumer 1.2%
-0.1pp YoY
+0.2pp QoQ
 -2.9pp 4.1% 4.7% 5.0% 33%

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.1% 19.7% n/a
Leverage Ratio 9.9%
0.0pp YoY
+0.3pp QoQ
 -2.3pp 12.2% 12.9% 12.6% 28%
Total Capital Ratio n/a n/a 19.9% 23.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 23
0 YoY
0 QoQ
 -36 58 2,433 482 15%
Assets per Employee ($) $6.3M
-0.7% YoY
+1.2% QoQ
 -$1.2M $7.5M $7.6M $8.8M 38%
Branch Count 4
0 YoY
0 QoQ
 -1 4 81 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 0.2%
-0.4pp YoY
0.0pp QoQ
 -0.7pp 0.9% 0.6% 1.0% 32%
Allowance Coverage 3.25x
+125.9% YoY
+1.7% QoQ
 -20.90x 24.15x 18.95x 20.23x 61%
Net Charge-off Rate (YTD) 0.0%
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 32%

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE -2.9%
-1.5pp YoY
+4.1pp QoQ
 -15.1pp 12.2% 9.7% 11.6% 2%
Cost of Funds (YTD) 1.9%
+0.1pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.7% 1.7% 61%
Net Income ($, YTD) $-161000.0
-117.6% YoY
— QoQ
 -$2.7M $2.6M $259.3M $40.4M 3%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (4)

Capital Thin

risk
#55 of 661 • Bottom 8.2% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.86%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Liquidity Strain

risk
#89 of 691 • Bottom 12.7% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 90.01%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ

Deposit Outflow

decline
#234 of 535 • Bottom 43.5% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ

Efficiency Drag

risk
#180 of 361 • Bottom 49.6% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 100.19%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (9 metrics)

2585
Efficiency Ratio
profitability
Value: 100.19%
Peer Median: 64.48%
#2585 of 2643 Bottom 2.2% in $100M-$1B
2575
Return on Assets
profitability
Value: -0.22%
Peer Median: 1.32%
#2575 of 2643 Bottom 2.6% in $100M-$1B
2452
Non-Interest-Bearing Deposit Share
funding
Value: 8.09%
Peer Median: 22.03%
#2452 of 2643 Bottom 7.3% in $100M-$1B
2425
Net Interest Margin
profitability
Value: 2.94%
Peer Median: 3.99%
#2425 of 2643 Bottom 8.3% in $100M-$1B
2411
Tier 1 Capital Ratio
capital
Value: 9.86%
Peer Median: 15.91%
#2411 of 2643 Bottom 8.8% in $100M-$1B
2315
Total Assets
size
Value: $144.54M
Peer Median: $386.57M
#2315 of 2643 Bottom 12.4% in $100M-$1B
2289
Total Deposits
size
Value: $124.47M
Peer Median: $326.73M
#2289 of 2643 Bottom 13.4% in $100M-$1B
2046
Total Loans
size
Value: $112.03M
Peer Median: $258.35M
#2046 of 2643 Bottom 22.6% in $100M-$1B
1992
Non-Interest Income / Assets
revenue_mix
Value: 0.12%
Peer Median: 0.57%
#1992 of 2643 Bottom 24.7% in $100M-$1B
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