The Bank of Monroe
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Data as of · sourced from FFIEC call reports. How we update
The Bank of Monroe is an FDIC-insured commercial bank headquartered in Union, WV, established in 1903 (FDIC certificate 6180), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $255.4M, up 5.2% from Q2 2025, the 25th largest of 40 banks headquartered in West Virginia. Its CET1 capital ratio was 21.49% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 6180
- Headquarters
- Union, WV
- Established
- 1903
- Total assets, Q2 2026
- $255.4M
- Assets vs Q2 2025
- +5.2%
- CET1 ratio, Q2 2026
- 21.49%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 051502395
- Latest call report
- Q2 2026, FFIEC 041 · The Bank of Monroe call report
- Holding company
- UNION BANKSHARES, INC.
- Asset rank in state
- 25th of 40 in West Virginia
Little in The Bank of Monroe's latest call report stands out. It reported $255 million in assets at June 30, 2026, up 5.2% from a year earlier. On most measures it sits near the middle of the 2,660 banks with $100 million to $1 billion in assets.
Net income for the quarter rose 15% from a year earlier, to $872,000. Over the same year, loans grew 7.3% and deposits grew 4.1%.
As of June 30, 2026, The Bank of Monroe reported a CET1 capital ratio of 21.49%, a return on assets of 1.36%, a nonperforming-loan ratio of 0.34% and a Texas ratio of 1.66%. The figures come from its call report filed with the FFIEC.
Of the 40 banks headquartered in West Virginia, The Bank of Monroe is the 25th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.7% to $255.4M, loans rose 0.5% and deposits rose 1.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 52.2% of total loans, followed by non-owner-occupied commercial real estate loans at 24.4%. The FDIC Summary of Deposits lists 3 offices for it, in Union, WV, Lewisburg, WV and Fairlea, WV; its Union office books 51% of its branch deposits. On its Q2 2026 call report, The Bank of Monroe meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 39 Main St, Union, WV 24983
- County
- Monroe
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- November 3, 1903
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 42
- Domestic deposits
- $224.2M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- -$4K
- Average total assets
- $256.8M
- Average total loans
- $156.6M
- Average interest-bearing deposits
- $173.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6180
- Fed RSSD
- 849432
- Website
- www.mybankofmonroe.com →
- Parent Holding Company
- UNION BANKSHARES, INC. (RSSD 2722892)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Bank of Monroe's total assets ran between $212.3M (Q3 2023) and $255.4M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$255.4M total assets against $242.8M; $225.3M total liabilities against $216.1M.
$155.0M net loans and leases against $144.6M; $224.2M total deposits against $215.3M.
$67.9M securities against $66.4M; $16.7M cash and balances due against $16.1M.
$3.2M total interest income against $3.0M; $906K total interest expense against $922K.
$2.3M net interest income against $2.0M.
$471K total noninterest income against $374K; $1.6M total noninterest expense against $1.5M.
$50K provision for credit losses against $25K.
$872K net income against $755K.
1.36% return on assets against 1.23%; 3.86% net interest margin against 3.46%.
21.49% CET1 capital ratio against 21.66%; 13.22% tier 1 leverage ratio against 12.95%.
Inside the full The Bank of Monroe terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Bank of Monroe rankings
Its closest position to the top of a national ranking is 271 of 2,134, for CET1 ratio; its furthest is 2,403 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.96% (Q3 2024) to 1.38% (Q1 2026) and its net interest margin ran from 3.29% (Q3 2024) to 3.86% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 21.49% | 1.36% | 0.34% | 1.66% | 3.86% |
| Q1 2026 | 21.13% | 1.38% | 0.34% | 1.76% | 3.72% |
| Q4 2025 | 21.11% | 1.21% | 0.32% | 1.64% | 3.72% |
| Q3 2025 | 21.58% | 1.02% | 0.38% | 1.91% | 3.85% |
| Q2 2025 | 21.66% | 1.23% | 0.39% | 2.01% | 3.46% |
| Q1 2025 | 20.83% | 1.21% | 0.36% | 1.92% | 3.35% |
| Q4 2024 | 20.46% | 0.97% | 0.10% | 0.53% | 3.37% |
| Q3 2024 | 20.90% | 0.96% | 0.35% | 1.72% | 3.29% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Bank of Monroe | Union , WV | 24983 | $113.7M |
| Lewisburg Branch | Lewisburg , WV | 24901 | $71.5M |
| Fairlea Branch | Fairlea , WV | 24901 | $39.0M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- November 23, 2015, Federal Reserve: Civil Money Penalty, $28,640: The Bank of Monroe, Union, West Virginia
- Period: Most recent institution action November 23, 2015. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.5% of deposits in WV, rank 38 of 65 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Bank of Monroe
What are The Bank of Monroe's total assets?
As of the Q2 2026 filing, The Bank of Monroe reported total assets of $255.4 million in its FFIEC call report.
Where is The Bank of Monroe headquartered?
It is headquartered in Union, WV, United States.
When was The Bank of Monroe founded?
It was established in 1903, per the FDIC institution directory.
Is The Bank of Monroe FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #6180). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Bank of Monroe?
The Bank of Monroe's primary federal regulator is the Federal Reserve.
What is The Bank of Monroe's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 21.49% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Bank of Monroe operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Bank of Monroe's Texas Ratio?
Its Texas Ratio is 1.66% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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