Monroe Federal Savings and Loan Association: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Monroe Federal Savings and Loan Association of Tipp City, OH against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.09% | 1.34% | -1.25% | 6th bottom |
| ROAE | 1.17% | 13.32% | -12.15% | 6th bottom |
| Net Interest Margin | 2.91% | 3.93% | -1.02% | 8th bottom |
| Efficiency Ratio | 93.87% | 61.13% | +32.74% | 4th bottom |
| PPNR / Avg Assets | 0.16% | 1.68% | -1.52% | 4th bottom |
| Yield on Earning Assets | 4.69% | 5.67% | -0.98% | 13th bottom |
| Cost of Funds | 1.88% | 1.88% | +0.00% | 45th below |
| Net Interest Spread | 2.71% | 3.32% | -0.61% | 21st bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.47% | 0.94% | -0.47% | 46th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.37% | 0.70% | -0.33% | 46th below |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.71% | 1.28% | -0.57% | 7th bottom |
| ACL / NPLs (Coverage) | 150.65% | 1538.89% | -1388.24% | 40th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.51% | 7.33% | -2.82% | 44th below |
| Provision / NCO | -8300.00% | 1397.55% | -9697.55% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.86% | 12.14% | -2.28% | 28th below |
| Equity / Assets | 7.64% | 11.37% | -3.73% | 10th bottom |
| TCE / Tangible Assets | 7.64% | 11.09% | -3.45% | 12th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.65% | 80.64% | +10.01% | 27th below |
| Core Deposit Ratio | 91.34% | 86.86% | +4.48% | 63rd above |
| Wholesale Funding Ratio | 5.37% | 5.03% | +0.34% | 36th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.74% | 6.85% | -7.59% | 16th bottom |
| Loan Growth (Y/Y) | 3.27% | 7.90% | -4.63% | 38th below |
| Deposit Growth (Y/Y) | -2.21% | 6.29% | -8.50% | 13th bottom |
See Monroe Federal Savings and Loan Association's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Monroe Federal Savings and Loan Association, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Monroe Federal Savings and Loan Association profile, how to read a UBPR, or how this data updates.