The Bank of Monroe: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 8.26 percentage points in Q2 2026, from 185.46% to 193.71%. It was the largest change from Q1 2026 among the key lines here. Within West Virginia, The Bank of Monroe is 14th of 41 on return on assets, 1.36% as of Q2 2026, above the middle of the field. The Bank of Monroe reported 1.36% on return on assets for Q2 2026, 0.10 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 21.49% |
| Tier 1 risk-based capital ratio | 21.49% |
| Total risk-based capital ratio | 22.79% |
| Tier 1 leverage ratio | 13.22% |
| Equity capital to assets | 11.76% |
| Tangible equity to tangible assets | 11.72% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.66% |
| Non-performing assets ratio | 0.40% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 3.24% |
| Allowance for credit losses to loans | 1.28% |
| Reserve coverage of non-performing loans | 193.71% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.36% |
| Return on equity | 11.87% |
| Net interest margin | 3.86% |
| Efficiency ratio | 55.61% |
| Yield on earning assets | 5.35% |
| Cost of funds | 1.62% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.04% |
| Core deposits to total deposits | 87.98% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.78% |
| Securities to assets | 26.58% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 20.53% | 20.53% | 21.73% | 12.83% | 1.09% |
| Q4 2023 | 20.83% | 20.83% | 22.06% | 12.61% | 0.94% |
| Q1 2024 | 20.98% | 20.98% | 22.20% | 12.78% | 1.00% |
| Q2 2024 | 21.32% | 21.32% | 22.53% | 12.91% | 1.04% |
| Q3 2024 | 20.90% | 20.90% | 22.06% | 12.88% | 0.96% |
| Q4 2024 | 20.46% | 20.46% | 21.58% | 12.95% | 0.97% |
| Q1 2025 | 20.83% | 20.83% | 22.01% | 12.77% | 1.21% |
| Q2 2025 | 21.66% | 21.66% | 22.86% | 12.95% | 1.23% |
| Q3 2025 | 21.58% | 21.58% | 22.77% | 12.80% | 1.02% |
| Q4 2025 | 21.11% | 21.11% | 22.36% | 12.67% | 1.21% |
| Q1 2026 | 21.13% | 21.13% | 22.38% | 13.04% | 1.38% |
| Q2 2026 | 21.49% | 21.49% | 22.79% | 13.22% | 1.36% |
The Bank of Monroe vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Monroe, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Bank of Monroe profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6180) · FFIEC NIC profile (RSSD 849432)