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The Bank Of Monroe
Union, WV · FDIC Certificate #6180 · Chartered 11/0
Total assets
$255.36M
Total deposits
$224.17M
Total equity
$30.02M
Net loans
$155.00M
Branches (offices)
3
Net income (YTD)
$1.75M
Rank: #2,684 of 4,213 U.S. banks by assets · #25 of 41 in West Virginia. Assets changed 5.2% and deposits 4.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.38% |
| Return on equity | 12.01% |
| Net interest margin (YTD) | 3.81% |
| Equity to assets | 11.76% |
| Tier 1 leverage ratio | 13.22% |
| Uninsured deposits (share of deposits) | 16.4% |
| Noncurrent loans (share of loans) | 0.34% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 69.1% |
| Real estate loans (share of loans) | 88.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $137.09M | 88.4% | |
| Commercial & industrial | $12.62M | 8.1% | |
| Consumer / individual | $3.47M | 2.2% | |
| Construction & development | $6.79M | 4.4% | |
| Agricultural | $3.65M | 2.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $201.75M | $180.79M | $1.53M | $20.21M |
| Jun 2023 | $209.07M | $187.11M | $1.36M | $21.46M |
| Jun 2024 | $225.37M | $200.68M | $1.15M | $23.75M |
| Jun 2025 | $242.79M | $215.27M | $1.49M | $26.66M |
| Jun 2026 | $255.36M | $224.17M | $1.75M | $30.02M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| West Virginia | $224.17M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $224.17M.
Similar-sized banks
The Gunnison Bank And Trust Company ($255.40M) · Wayne Bank And Trust Co. ($255.29M)
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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