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The Bank of Monroe

$100M-$1B Specialty: Other WV FDIC cert 6180

Union, WV

3 branches across WV

2664 banks in the $100M-$1B peer group nationally 33 in WV
View $100M-$1B leaderboard (WV) →

The Bank of Monroe has 3 strengths but faces 2 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

  • + ROA 0.12% above tier average
  • + Efficiency Ratio 5.66% below tier average
  • + Delinquency Rate 0.54% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 45.5% in tier
  • - Net Interest Margin 0.20% below tier average
Get updates when The Bank of Monroe releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
Total Assets ? $251.2M
+3.8% YoY -0.4% QoQ
-$134.9M $386.1M
+0.5% YoY
$1.2B
+2.9% YoY
$6.2B
+9.1% YoY
37%
Total Loans ? $154.2M
+7.9% YoY +1.8% QoQ
-$101.5M $255.7M
+1.1% YoY
$864.0M
+4.3% YoY
$3.2B
+10.8% YoY
37%
Total Deposits ? $221.3M
+2.9% YoY -0.6% QoQ
-$106.6M $328.0M
+0.1% YoY
$1.0B
+3.7% YoY
$4.8B
+8.2% YoY
39%
Return on Assets ? 1.39%
+13.7% YoY +18.0% QoQ
+0.12% 1.27%
+12.9% YoY
0.95%
+29.1% YoY
1.23%
+13.4% YoY
62%
Net Interest Margin ? 3.73%
+10.6% YoY +3.6% QoQ
-0.20% 3.93%
+6.0% YoY
3.79%
+9.5% YoY
3.89%
+5.7% YoY
43%
Efficiency Ratio ? 59.62%
-6.3% YoY -3.6% QoQ
-5.66% 65.29%
-4.5% YoY
70.57%
-7.5% YoY
66.95%
-4.1% YoY
61%
Delinquency Rate ? 0.35%
-5.2% YoY +6.2% QoQ
-0.54% 0.89%
+18.8% YoY
0.74%
+24.2% YoY
0.95%
+18.8% YoY
54%
Loan-to-Deposit Ratio ? 69.67%
+4.8% YoY +2.4% QoQ
-6.97% 76.64%
+0.8% YoY
78.35%
+1.2% YoY
76.70%
+0.9% YoY
67%
Non-Interest-Bearing Deposit Share ? 21.97%
-3.9% YoY -1.4% QoQ
-0.05% 22.02%
-1.0% YoY
26.63%
-0.0% YoY
22.01%
-1.2% YoY
54%
Nonperforming Asset Ratio ? 0.21%
-1.5% YoY +8.5% QoQ
-0.42% 0.64%
+19.7% YoY
0.57%
+21.1% YoY
0.67%
+19.3% YoY
58%
Tier 1 Capital Ratio ? 21.13%
+1.4% YoY +0.1% QoQ
+5.30% 15.83%
+1.5% YoY
14.22%
+0.9% YoY
17.06%
+0.8% YoY
Top 11.3% in tier
Non-Interest Income / Assets ? 0.16%
-48.4% YoY -80.6% QoQ
-0.12% 0.28%
+9.3% YoY
0.14%
-2.1% YoY
0.32%
+4.1% YoY
77%

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 (1)

Liquidity Overhang

risk
#337 of 739 • Bottom 45.5% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 21.13%
(Tier: 15.83%, National: 17.06%)
better than tier avg
Loan-to-Deposit Ratio: 69.67%
(Tier: 76.64%, National: 76.70%)
better than tier avg
739 of 739 Community banks match · 939 nationally
→ Stable +13 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (2 metrics)

301
Tier 1 Capital Ratio
capital
Value: 21.13%
Peer Median: 15.83%
#301 of 2664 Top 11.3% in $100M-$1B
626
Non-Interest Income / Assets
revenue_mix
Value: 0.16%
Peer Median: 0.28%
#626 of 2664 Top 23.5% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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