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Monroe Federal Savings And Loan Association
Tipp City, OH · FDIC Certificate #29578 · Chartered 01/0
Total assets
$144.54M
Total deposits
$124.47M
Total equity
$11.05M
Net loans
$112.03M
Branches (offices)
4
Net income (YTD)
-$161.00K
Rank: #3,349 of 4,213 U.S. banks by assets · #113 of 155 in Ohio. Assets changed -0.7% and deposits -2.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -0.22% |
| Return on equity | -2.94% |
| Net interest margin (YTD) | 2.94% |
| Equity to assets | 7.64% |
| Tier 1 leverage ratio | 9.86% |
| Uninsured deposits (share of deposits) | 22.3% |
| Noncurrent loans (share of loans) | 0.22% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 90.0% |
| Real estate loans (share of loans) | 94.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $105.60M | 94.3% | |
| Commercial & industrial | $6.19M | 5.5% | |
| Consumer / individual | $1.31M | 1.2% | |
| Construction & development | $1.86M | 1.7% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $143.61M | $125.19M | $208.00K | $8.16M |
| Jun 2023 | $153.63M | $136.04M | $89.00K | $8.19M |
| Jun 2024 | $147.48M | $130.21M | -$60.00K | $8.34M |
| Jun 2025 | $145.62M | $127.28M | -$74.00K | $10.25M |
| Jun 2026 | $144.54M | $124.47M | -$161.00K | $11.05M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $124.47M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $124.47M.
Similar-sized banks
Bank Plus ($144.56M) · Community Bank Of El Dorado Springs ($143.61M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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