Monroe Federal Savings and Loan Association: how it compares with its peers
Against 65 OH banks with half to twice its assets, Monroe Federal Savings and Loan Association's strongest measure in Q2 2026 is assets per employee ($6.3M vs. a $5.8M peer median). Its weakest relative measure is efficiency ratio (100.19% vs. 75.72%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -0.22% | 0.78% | Bottom third Ahead of 2% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.94% | 3.63% | Bottom third Ahead of 14% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 100.19% | 75.72% | Bottom third Ahead of 0% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.3M | $5.8M | Middle third Ahead of 62% of peers |
| Loans to deposits Net loans and leases over total deposits. | 90.01% | 80.26% | Context |
What it means for lending operations
Its efficiency ratio of 100.19% is above the 75.72% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Settlers Bank Marietta, OH · $142M
- Miami Savings Bank Miamitown, OH · $148M
- The Twin Valley Bank West Alexandria, OH · $138M
- The Farmers and Merchants Bank Caldwell, OH · $136M
- Nationwide Trust Company, FSB Columbus, OH · $154M
- The Citizens National Bank of Woodsfield Woodsfield, OH · $154M
Questions about Monroe Federal Savings and Loan Association
How big is Monroe Federal Savings and Loan Association?
Monroe Federal Savings and Loan Association, established in 1875, is headquartered in Tipp City, OH. It reported $145M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Monroe Federal Savings and Loan Association's return on assets?
-0.22% annualized in Q2 2026, against a 0.78% median for 65 OH banks with half to twice its assets, ahead of 2% of them.
What is Monroe Federal Savings and Loan Association's efficiency ratio?
100.19% in Q2 2026: it spent about 100 cents in noninterest expense for each dollar of revenue. The peer median is 75.72%, and lower is better.
Is Monroe Federal Savings and Loan Association growing its loans?
Net loans grew 3.4% over the year to Q2 2026, while deposits shrank 2.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OH banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Ohio bank ranked.