Monroe Federal Savings and Loan Association
Tipp City, OH
IDRSSD: 576578
Total Assets
$148.19M
Latest filing
Total Deposits
$130.94M
Latest filing
Net Interest Margin
2.77%
Profitability
Key People
Loading leadership data...
Locations
Main office and branches. Select to view on the map.
Main Office
Monroe Federal Savings and Loan Association
24 E Main St
Tipp City, OH 45371
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1875FDIC Certificate 42412
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Monroe Federal Savings and Loan Association (Main) | 24 E Main St | Tipp City, OH |
| 264 EAST NATIONAL ROAD BRANCH | 264 E National Rd | Vandalia, OH |
| DIXIE DRIVE BRANCH | 8512 N Dixie Dr | Dayton, OH |
| TIPP CITY WEST BRANCH | 985 W Main St | Tipp City, OH |
Showing 3 of 3
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
The Citizens National Bank of Woodsfield
Woodsfield, Ohio
→
Assets: $144.73MΔ -2.1%
The Twin Valley Bank
West Alexandria, Ohio
→
Assets: $142.37MΔ -3.7%
The Antwerp Exchange Bank Company
Antwerp, Ohio
→
Assets: $155.83MΔ +5.4%
Peoples Savings and Loan Company
Bucyrus, Ohio
→
Assets: $157.15MΔ +6.3%
Home Federal Savings and Loan Association of Niles
Niles, Ohio
→
Assets: $158.81MΔ +7.5%
The Settlers Bank
Marietta, Ohio
→
Assets: $135.31MΔ -8.4%
Institution Profile
| Institution Class | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 01/01/1875 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 45371 |
| State and County Number | 39109 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 33 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Dayton-Kettering, OH |
Operational Info
| Number of Employees | 23 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 10/23/2024 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.monroefederal.com |
| Data Updated | 01/30/2026 |
| CERT | 29578 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $148.19M |
| Total Deposits | $130.94M |
| Total Liabilities | $137.18M |
| Total Equity Capital | $11.00M |
| Net Income | $77.00k |
| Net Loans and Leases | $111.35M |
| Assets Per Employee ($Millions) | $6.44M |
| Bank Premises and Fixed Assets | $5.09M |
| Cash and Balances due from Depository Institutions | $2.00M |
| Deposits Held in Domestic Offices | $130.94M |
Key Performance Ratios
| Return on Assets (ROA) | 0.21% |
| Return on Equity (ROE) | 2.85% |
| Net Interest Margin | 2.77% |
| Efficiency Ratio | 99.62% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.22% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.425% |
| Earning Assets to total Assets | 90.92% |
Income and Expense
| Total Interest Income | $1.55M |
| Total Noninterest Income | $137.00k |
| Total Interest Expense | $625.00k |
| Total Noninterest Expense | $1.06M |
| Net Interest Income | $926.00k |
| Pre-tax Net Operating Income | $85.00k |
| Provision for Credit Losses | $-81,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $5.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $263.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.24M |
| Total Liabilities and Capital | $148.19M |
Securities
| Securities | $22.30M |
| Available-for-sale debt securities | $22.30M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Monroe Federal Savings and Loan Association?
$148.19M as of the latest filing.
How much are Monroe Federal Savings and Loan Association's total deposits?
$130.94M in total deposits.
Where is Monroe Federal Savings and Loan Association located?
Tipp City, OH.
What is the Net Interest Margin?
2.77%.
How many domestic offices does it operate?
4.
When was it established?
01/01/1875.
What is the Return on Assets (ROA)?
0.21%.
How much are total loans and leases?
$111.35M (latest filing).
What is the total interest income (latest filing)?
$1.55M.