# BANK OF MONROE
UNION, WV · FDIC certificate 6180 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $255.4M | |
| Deposits | $224.2M | |
| Loans and leases | $157.0M | |
| Total equity | $30.0M | |
| Loans / deposits | 69.14% (p43 of band) | 73.59% |
| Liquid assets / assets | 33.12% (p51 of band) | |
| Uninsured deposits / deposits | 16.36% (p36 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.22% (p65 of band) | 11.76% |
| Unrealized securities loss / equity | -12.48% (p34 of band) | -6.57% |
| AOCI / equity | -0.91% (p30 of band) | |
| ROA (annualized) | 1.38% (p62 of band) | 1.17% |
| Net interest margin | 3.81% (p44 of band) | 3.93% |
| Efficiency ratio | 58.01% (p30 of band) | |
| Noncurrent loans | 0.34% (p49 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p16 of band) | |
| Reserve coverage of noncurrent | 377.21% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 22.63% (p57 of band) | |
| Auto loans | $1.8M (1.15% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.1% | |
| Employees | 42 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | reserve under noncurrent |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | uninsured deposits leaving |  |
| 2018-09 | 0 |  | uninsured deposits leaving |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 1 | AOCI drag >20% of equity |  |
| 2022-09 | 2 | securities losses >30% of equity |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 0 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 1 | securities losses >30% of equity |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 | capital falling | securities losses >30% of equity |
| 2024-03 | 0 |  | capital falling |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2017-02-10 [Bank of Monroe’s Fairlea Grand Opening celebrates century of service - Mountain Messenger](https://news.google.com/rss/articles/CBMinwFBVV95cUxQcEV4WE9nakRSRUM4VTdRNVNkTm5DeEtzOUw1NG1XUHZpcThId0VoQzYtTHNkTUhQY0tOcUMwanpPUnZzY3hjMzBwSG1QOHlDdG56X1F4M1lFWUE1clU0Ui00VTZEb0wtUXpUeFB1Mlo0Yjl3RktYZ3ozY2kxRHBVY3VoVWFVUEtra0FQZThiektMX2RjNDFxYzdNVEtWMGs?oc=5) · Mountain Messenger
- 2026-03-17 [Monroe County Courthouse News: March 10-16, 2026 - therealwv.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxNZkpHcWVPQmdKWWtlcHBsZHpOc2FyTklNcnhiamdyWkJUeXRsMjB2bC1YYzdvNnFJbDhFNkhta1lHcXNGWDRJalMwV1RrQmJoRk1xWlo4NFVuUGpLUXRFODdQR01jMXM2d0xhWUFfb0tZdWpWV2tUVTQzQUxmeElkYzRaLWY3Y0U?oc=5) · therealwv.com
- 2023-08-08 [CSI Meets Significant Demand for NuPoint Core Platform with 12 Deals Signed in Under Two Months - Business Wire](https://news.google.com/rss/articles/CBMi5wFBVV95cUxQQzJQc1BYTTRhMFNKRVF5S3JDdWtUdjdzdzFkUEprbnVVZ3JScmVULW1zV3d5UXg1THRybEZmV2FjZnptYWx0VUhtZ2dtV2hTX0JEanBDRndDT3BqNE5WbmpqeTk3ZlNPeGpYRFJLZ2tYdDBBTVNWMkRQQjgyZk1XbTUzckQtbUpNY2oxNXp3TGtNV0ZENFVrMmJQNUlWNV9uSTdHNHVVbmFDZGQzQS0xVHZHSkxmNGE2c2JjelQxZFhnRE5PTnNfNkFxb0dCUzZhOGVxVkI0bkF6WG9LcmFISDlBcUE2a1E?oc=5) · Business Wire
- 2024-04-22 [Matthew Harvey Heller Obituary Apr 22, 2024 - Morgan Funeral Home](https://news.google.com/rss/articles/CBMiX0FVX3lxTE8yUV9rWE96WnpKRFA4R2hxX3J0VkJRRjRya2YwYkpHaTlVRXR1MVBGUC1QUmZzeWlvaE1CdHBNcXpndHhyclp5YU16VHZ1R0Fmams1d0lEUUN4VHVaNmJ3?oc=5) · Morgan Funeral Home
- 2020-07-07 [Bank of Monroe adds team member - Mountain Messenger](https://news.google.com/rss/articles/CBMib0FVX3lxTE1HWHBtUmR3VW5aWUY2WDdjYXdPNGx5N3pQa3VHNXJwOVd6XzN3ekVfRVNEMDVyaWFNMUl2S2VMbjRsSzZYbHBObF9FRUU0eTFCcHVRdUxzTzN3ZkEzVHF3N0gtRVBROWd5ai01eVptWQ?oc=5) · Mountain Messenger
- 2026-03-23 [Monroe County Courthouse News: March 17-22, 2026 - therealwv.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxONHFMTVlCdGRQS3NwOG4xTEhNSHdlclhuYTgtR280RFhqSll6YVdTRDB6c2xOU0tPRW5heGs2WHBtVm04YlcwRGN4NnNxTFBid29QV19JVHdTbUNnM2dCcEJaUzl1amZnd2NKUGhOeGdrZC1mdjRCc3pyX1ZKeGFXVTFTUlhVYU0?oc=5) · therealwv.com
- 2017-06-20 [Bank of Monroe CEO honored for community investment - Mountain Messenger](https://news.google.com/rss/articles/CBMiigFBVV95cUxOSTBLRVV6UmFzMGxIMmJIRkd1WE1mY01KQVhPQjdiaTM5eTVrVW9hTENWVXBzOU80MjhjcXVJT0tjWXRkMjluYlBULVZjbEpkX3VKSE1xQ3lyUzBneXFvYVVLN2FOR3NfM3dpa2didEJBX1FIVS1WQzJnbDBQOHhuRkFUcmhDZ3N1QXc?oc=5) · Mountain Messenger
- 2023-04-16 [Mike Dolan Obituary Apr 16, 2023 - Morgan Funeral Home](https://news.google.com/rss/articles/CBMiWkFVX3lxTE5nWm4xb1Rfa0xFNXByTGMteVI1MXQ3ZjM5MnI0eXVVbG1Ja3FSQkM0eE9aazdDVWFBelhQMmd0SlBocnRIMmRfVll6M3dfV1l2djFGdjczZWtXUQ?oc=5) · Morgan Funeral Home

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6180 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/36.json (key "6180", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide