Bank · FDIC insured
Monroe Federal
A $144.5M bank headquartered in Tipp City, OH, with 4 branches in Ohio. Best rates: CDs 4.10% and savings 1.00% APY.
Monroe Federal Carrot Score
83
Carrot Score
Higher than 61% of U.S. banks and credit unions
#10 of 28 in Dayton, OH metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Monroe Federal
- Headquarters
- 24 E Main St, Tipp City, OH 45371
- FDIC certificate
- 29578 ↗
Branches
4 branches in Ohio
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Ohio
4 branches
- Monroe Federal Savings and Loan AssociationMain office24 E Main St, Tipp City, OH 45371Directions
- Dixie Drive Branch8512 N Dixie Dr, Dayton, OH 45414Directions
- Tipp City West Branch985 W Main St, Tipp City, OH 45371Directions
- 264 East National Road Branch264 E National Rd, Vandalia, OH 45377Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.86% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.22% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | -0.22% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $91 | $81 | — |
- CapitalLeverage ratio9.86%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.22%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets-0.22%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$91Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Monroe Federal are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.