TellerScore

Monroe Federal Savings and Loan Association is a savings bank headquartered in Tipp City, Ohio, in business for about 151 years. At the end of Q2 2026 it reported $144.5M in total assets and $124.5M in deposits, with 4 offices.

Monroe Federal Savings and Loan Association has a TellerScore of 59 out of 100 (moderate) based on Q2 2026 data — higher than only 17% of its 2,650 banks with $100 million – $1 billion. Among 157 banks headquartered in Ohio, it ranks 139th. Problem-loan coverage contributes the most (96/100, 2.1%); earnings contributes the least (11/100, -0.22%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Tier 1 leverage ratio: 9.86%
Loan quality93/100
Noncurrent loans ÷ total loans: 0.22%
Earnings11/100
Return on assets (annualized): -0.22%
Funding & liquidity62/100
Loans ÷ deposits and uninsured-deposit share: 90.0% · 22.3% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.09%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (56 → 59), mostly because the loan quality component improved by 13 points.

TellerScore
555759Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202456
Q4 202455
Q1 202559
Q2 202556
Q3 202555
Q4 202557
Q1 202656
Q2 202659
Tier 1 leverage ratio
5.00%7.50%10.00%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.54%
Q3 20248.54%
Q4 20249.80%
Q1 202510.00%
Q2 20259.86%
Q3 20259.70%
Q4 20259.73%
Q1 20269.60%
Q2 20269.86%
Noncurrent loans
0.00%0.33%0.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.22%
Q4 20240.65%
Q1 20250.58%
Q2 20250.59%
Q3 20250.56%
Q4 20250.48%
Q1 20260.22%
Q2 20260.22%
Return on assets
-0.53%-0.22%0.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.08%
Q3 2024-0.13%
Q4 2024-0.15%
Q1 20250.09%
Q2 2025-0.10%
Q3 2025-0.11%
Q4 2025-0.03%
Q1 2026-0.53%
Q2 2026-0.22%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202659$144.5M9.86%0.22%-0.22%90.0%
Q1 202656$142.8M9.60%0.22%-0.53%87.4%
Q4 202557$148.2M9.73%0.48%-0.03%85.0%
Q3 202555$147.8M9.70%0.56%-0.11%88.3%
Q2 202556$145.6M9.86%0.59%-0.10%85.1%
Q1 202559$144.4M10.00%0.58%0.09%87.3%
Q4 202455$144.9M9.80%0.65%-0.15%81.0%
Q3 202456$147.9M8.54%0.22%-0.13%84.9%
Q2 202459$147.5M8.54%0.00%-0.08%83.7%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.86%
28th
Total risk-based capital0.00%
24th
Problem loans0.22%
64th
Net charge-offs0.00%
57th
Return on assets-0.22%
3rd
Net interest margin2.94%
8th
Efficiency ratio100.2%
2nd
Loans to deposits90.0%
26th
Uninsured deposits22.3%
56th
Loan-loss reserves0.71%
8th
Texas ratio2.1%
57th

Similar-size banks in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
The Settlers BankBank Marietta, OH94 out of 100, Very strong$142.4M16.2%0.18%vs
Miami Savings BankBank Miamitown, OH83 out of 100, Strong$148.3M23.2%0.43%vs
The Twin Valley BankBank West Alexandria, OH72 out of 100, Strong$137.6M9.2%0.08%vs
The Farmers and Merchants BankBank Caldwell, OH66 out of 100, Moderate$136.4M14.9%3.86%vs
Nationwide Trust Company, FSBBank Columbus, OH94 out of 100, Very strong$153.6M36.9%0.00%vs
The Citizens National Bank of WoodsfieldBank Woodsfield, OH65 out of 100, Moderate$153.9M8.9%0.79%vs

Deposit insurance

Is my money safe at Monroe Federal Savings and Loan Association?

Yes. Monroe Federal Savings and Loan Association is an FDIC-insured institution (FDIC certificate #29578). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 22.3% of deposits ($27.8M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.86%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

Monroe Federal Savings and Loan Association lists 4 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Monroe Federal Savings and Loan Association reported 48 home-loan applications under HMDA (LEI 254900P3FG3HDU6NKK74): 42 originated ($8,900,000 total), 0 denied, and 6 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Monroe Federal Savings and Loan Association
Type
Savings bank
FDIC certificate #
29578
RSSD ID
576578
Primary regulator
OCC
Holding company
Monroe Federal Bcorp Inc
Established
January 1, 1875
Headquarters
24 E Main St, Tipp City, OH 45371
Employees
23

Quick answers

Monroe Federal Savings and Loan Association: common questions

Is Monroe Federal Savings and Loan Association FDIC insured?

Yes. Monroe Federal Savings and Loan Association is an FDIC-insured institution (FDIC certificate #29578). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Monroe Federal Savings and Loan Association's TellerScore?

59 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Monroe Federal Savings and Loan Association ever failed?

There is no failure record for FDIC certificate #29578 in the FDIC failed bank list.

How many branches does Monroe Federal Savings and Loan Association have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Tipp City

InstitutionScoreAssetsCapitalProblem loansCompare
The Covington Savings and Loan AssociationBank Covington, OH91 out of 100, Very strong$84.0M18.6%0.00%vs
Versailles Savings and Loan CompanyBank Versailles, OH89 out of 100, Very strong$65.6M19.3%0.00%vs
The First Central National Bank of St. ParisBank St. Paris, OH87 out of 100, Very strong$97.0M18.9%0.02%vs
Greenville National BankBank Greenville, OH86 out of 100, Very strong$641.5M13.0%0.05%vs
Day Air Credit UnionCredit union Kettering, OH82 out of 100, Strong$908.8M14.6%0.96%vs
Minster BankBank Minster, OH79 out of 100, Strong$811.6M10.1%0.14%vs