Monroe Federal Savings and Loan Association
Tipp City, OH
IDRSSD: 576578
Total Assets
$147.78M
Latest filing
Total Deposits
$124.32M
Latest filing
Net Interest Margin
2.94%
Profitability
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 11/14/2025Established 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
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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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 | 11/14/2025 |
| CERT | 29578 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $147.78M |
| Total Deposits | $124.32M |
| Total Liabilities | $137.13M |
| Total Equity Capital | $10.65M |
| Net Income | $-42,000 |
| Net Loans and Leases | $109.76M |
| Assets Per Employee ($Millions) | $6.43M |
| Bank Premises and Fixed Assets | $5.08M |
| Cash and Balances due from Depository Institutions | $3.27M |
| Deposits Held in Domestic Offices | $124.32M |
Key Performance Ratios
| Return on Assets (ROA) | -0.11% |
| Return on Equity (ROE) | -1.61% |
| Net Interest Margin | 2.94% |
| Efficiency Ratio | 105.58% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.03% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.207% |
| Earning Assets to total Assets | 90.03% |
Income and Expense
| Total Interest Income | $1.60M |
| Total Noninterest Income | $85.00k |
| Total Interest Expense | $627.00k |
| Total Noninterest Expense | $1.12M |
| Net Interest Income | $972.00k |
| Pre-tax Net Operating Income | $-70,000 |
| Provision for Credit Losses | $11.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $11.48M |
| Federal Funds Sold & Reverse Repurchase Agreement | $148.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.33M |
| Total Liabilities and Capital | $147.78M |
Securities
| Securities | $22.31M |
| Available-for-sale debt securities | $22.31M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| 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?
$147.78M as of the latest filing.
How much are Monroe Federal Savings and Loan Association's total deposits?
$124.32M in total deposits.
Where is Monroe Federal Savings and Loan Association located?
Tipp City, OH.
What is the Net Interest Margin?
2.94%.
How many domestic offices does it operate?
4.
When was it established?
01/01/1875.
What is the Return on Assets (ROA)?
-0.11%.
How much are total loans and leases?
$109.76M (latest filing).
What is the total interest income (latest filing)?
$1.60M.