BlastPoint's Banking Scorecard
Monroe Federal Savings and Loan Association
Micro
Specialty: Mortgage
OH
FDIC cert 29578
Designations: ✓ Community bank
Tipp City, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
Monroe Federal Savings and Loan Association faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.11% below tier
- - Efficiency Ratio 36.90% above tier
- - Non-Interest-Bearing Deposit Share 15.53% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$148.2M
+2.3% YoY
+0.3% QoQ
|
-$69.3M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
37% |
| Total Loans ? |
$111.4M
+3.8% YoY
+1.4% QoQ
|
-$27.8M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
47% |
| Total Deposits ? |
$130.9M
-1.1% YoY
+5.3% QoQ
|
-$52.7M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
39% |
| Return on Assets ? |
-0.03%
+82.5% YoY
+74.9% QoQ
|
-1.11% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 6% in tier |
| Net Interest Margin ? |
2.81%
+3.8% YoY
-0.6% QoQ
|
-1.04% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 11% in tier |
| Efficiency Ratio ? |
104.63%
-3.4% YoY
-1.6% QoQ
|
+36.90% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 4% in tier |
| Delinquency Rate ? |
0.48%
-26.5% YoY
-14.6% QoQ
|
-0.16% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
85.04%
+5.0% YoY
-3.7% QoQ
|
+10.51% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
6.86%
-25.8% YoY
-21.7% QoQ
|
-15.53% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 7% in tier |
| Nonperforming Asset Ratio ? |
0.36%
-25.4% YoY
-13.6% QoQ
|
-0.09% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
45% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.26%
+15.5% YoY
+54.8% QoQ
|
-0.30% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
34% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Return on Assets
metric
Bottom 6%
in Micro
Why this stands out
Current:
-0.03%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
104.63%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 7%
in Micro
Why this stands out
Current:
6.86%
(Tier avg: 22.39%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Total Loans
Current: $111.4M · Tier avg: $139.2M
46
46th pctile
Delinquency Rate
Current: 0.48% · Tier avg: 0.64%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.36% · Tier avg: 0.45%
39
39th pctile
Total Deposits
Current: $130.9M · Tier avg: $183.7M
37
37th pctile
Total Assets
Current: $148.2M · Tier avg: $217.5M
34
34th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.56%
32
32th pctile
Loan-to-Deposit Ratio
Current: 85.04% · Tier avg: 74.53%
11
11th pctile
Net Interest Margin
Current: 2.81% · Tier avg: 3.85%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 6.86% · Tier avg: 22.39%
6
6th pctile
Return on Assets
Current: -0.03% · Tier avg: 1.08%
4
4th pctile
Efficiency Ratio
Current: 104.63% · Tier avg: 67.73%
Top Weaknesses
4
4th pctile
Efficiency Ratio
Current: 104.63% · Tier avg: 67.73%
6
6th pctile
Return on Assets
Current: -0.03% · Tier avg: 1.08%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 6.86% · Tier avg: 22.39%
11
11th pctile
Net Interest Margin
Current: 2.81% · Tier avg: 3.85%
32
32th pctile
Loan-to-Deposit Ratio
Current: 85.04% · Tier avg: 74.53%
34
34th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.56%
37
37th pctile
Total Assets
Current: $148.2M · Tier avg: $217.5M
39
39th pctile
Total Deposits
Current: $130.9M · Tier avg: $183.7M
45
45th pctile
Nonperforming Asset Ratio
Current: 0.36% · Tier avg: 0.45%
46
46th pctile
Delinquency Rate
Current: 0.48% · Tier avg: 0.64%
47
47th pctile
Total Loans
Current: $111.4M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%