BANK OF MONROE, THE

UNION, WV | Small | Est. Nov. 3, 1903, midnight | FDIC #6180 | RSSD #849432 | FED
Latest Report: 2025-12-31

BANK OF MONROE, THE is asn small FDIC-insured commercial bank headquartered in UNION, WV, established in Nov. 3, 1903, midnight. As of 2025-12-31, the bank reported total assets of $252M and total deposits of $223M. Profitability stands at 1.22% ROA and 10.89% ROE, with a net interest margin of 3.81%. The bank's CET1 capital ratio is 21.11%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.32% and a Texas Ratio of 1.62%. FDIC Certificate #6180.

Assets

$252M

Deposits

$223M

Loans

$153M

Equity

$29M

Profitability

Return on Assets (ROA) 1.22%
Return on Equity (ROE) 10.89%
Net Interest Margin (NIM) 3.81%
Yield on Assets 5.50%
Cost of Funds 1.76%

Asset Quality

NPL Ratio 0.32%
Net Charge-Off Ratio 0.00%
Texas Ratio 1.62%
NPA Ratio 0.20%
ACL / Loans 1.25%

Capital & Liquidity

CET1 Ratio 21.11%
Tier 1 Capital 21.11%
Total Capital Ratio 22.36%
Leverage Ratio 12.67%
Loan-to-Deposit 68.91%

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