| Metric | The Bank of Monroe | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.2% | +4.4% | +0.8 pts |
| Deposit growth (YoY) | +4.1% | +4.0% | +0.2 pts |
| Loan growth (YoY) | +7.2% | +5.6% | +1.6 pts |
| ROA | 1.38% | 1.24% | +0.1 pts |
| ROE | 12.0% | 11.9% | +0.1 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $255.4M | $224.2M | $155.0M | $30.0M | $1.7M | 1.38% | 3.81% | 0.21% |
| Q1 2026 | $251.2M | $221.3M | $154.2M | $28.7M | $876K | 1.39% | 3.73% | 0.21% |
| Q4 2025 | $252.2M | $222.7M | $151.5M | $28.5M | $2.9M | 1.18% | 3.61% | 0.20% |
| Q3 2025 | $251.9M | $222.9M | $147.0M | $27.8M | $2.1M | 1.16% | 3.54% | 0.22% |
| Q2 2025 | $242.8M | $215.3M | $144.6M | $26.7M | $1.5M | 1.24% | 3.51% | 0.23% |
| Q1 2025 | $241.9M | $215.1M | $142.9M | $25.7M | $735K | 1.22% | 3.38% | 0.22% |
| Q4 2024 | $238.4M | $213.0M | $138.9M | $24.5M | $2.3M | 0.99% | 3.35% | 0.06% |
| Q3 2024 | $238.5M | $211.4M | $134.0M | $25.9M | $1.7M | 1.00% | 3.32% | 0.20% |
Loan mix (Q2 2026): real estate $137.1M · commercial $12.6M · consumer $3.5M · securities $67.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Bank of Monroe | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.38% | 1.24% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 12.0% | 11.9% | 51st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.0% | 62.9% | 35th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | The Bank of Monroe | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | The Bank of Monroe | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | The Bank of Monroe | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | The Bank of Monroe | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | The Bank of Monroe | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
3 branches in 2 counties across 1 state (+0 vs 2025) · $224.2M branch deposits. Biggest market: Monroe, WV, ranked 1st with 56.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Monroe, WV | 1 | $113.7M | 56.42% | 1st |
| Greenbrier, WV | 2 | $110.5M | 11.74% | 4th |
West Virginia: 42nd with 0.42% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3
Spends 2.3× the peer median on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).