Monroe Federal Bancorp, Inc. is the stock holding company formed in 2024 for Monroe Federal Savings and Loan Association, a federally chartered savings institution based in Tipp City, Ohio. Through its bank subsidiary, it takes deposits and makes residential, commercial, home equity, and consumer loans to households and businesses in western Ohio.
| % | |
|---|---|
| Deposit products | 35% Core funding accounts including checking, savings, and time certificates. |
| Residential mortgage lending | 35% Loans secured by owner-occupied and other residential real estate. |
| Commercial lending | 20% Commercial real estate and business-purpose loans to local borrowers. |
| Consumer and home equity lending | 10% Home equity lines and installment loans for household borrowing needs. |
The bank serves individual customers and local businesses in western Ohio, with branch-based relationships centered on...
Individuals and households who place funds in checking, savings, and term certificates for safety and convenience.
Local homebuyers and homeowners who borrow for purchase, refinance, or property-related needs.
Small businesses and commercial property owners that use loans for working capital or real estate financing.
Borrowers using home equity lines and installment loans for household financing needs.
Monroe Federal operates primarily in western Ohio and conducts business through four office locations in Tipp City,...
The company’s near-term focus is on maintaining liquidity, retaining maturing time deposits, and managing loan growth...
The bank depends on local deposits to fund lending and reduce reliance on wholesale funding.
The holding company relies on dividends from the bank and must maintain its own liquidity.
Growth depends on successfully entering nearby markets and capturing local lending opportunities.
Monroe Federal is exposed to classic community-bank risks: credit quality, interest-rate sensitivity, deposit...
The bank lends against residential and commercial real estate and consumer credit, so borrower stress can increase charge-offs and provisions.
If maturing certificates are not renewed, the bank may need to raise deposit rates or use FHLB advances, increasing interest expense.
Changes in market rates affect loan yields, deposit costs, and the economic value of equity, especially for a balance-sheet lender.
As a federally chartered savings association and holding company, the business is subject to OCC, FDIC, Federal Reserve, and SEC oversight.
Branch banking and third-party service reliance increase exposure to system outages, breaches, and cyberattacks.
: 28.4.2026