The Bank of Monroe
Total assets
$255.4M
▲ +5.2% YoY
Deposits
$224.2M
▲ +4.1% YoY
Loans
$155.0M
▲ +7.2% YoY
Offices
3
UNION BANKSHARES INC
ROA (annualized)
1.38%
peers 1.24%
ROE (annualized)
12.01%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| 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
Profile
- Established
- 1903
- Charter
- State
- Primary regulator
- FED
- Holding company
- UNION BANKSHARES INC
- Specialization
- All Other Under 1 Billion
- Address
- 39 Main St, Union, WV, 24983
- County
- Monroe
- Offices
- 3
- FDIC cert #
- 6180
- RSSD ID
- 849432
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| 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
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| 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% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.96% | 42th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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