Monroe Bank & Trust is an FDIC insured institution headquartered at
102 East Front Street, Monroe, MI 48161.
It was founded in
1905 and has approximately $1 billion in assets. Customers can open an account at one of its 24 branches.
Tap into your home's equity & access the funds you need with a HELOC
Apply online or speak with a specialist
No application, origination & appraisal fees on lines up to $500K[3]
On average, access funds within 35 days[5]
Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
Overview 2026
General Bank Information
FDIC Insured
Yes
FDIC Certificate
# 12181
Date Established
1905
Assets
$ 1,325.16 million
Loans
$ 761.79 million
Deposits
$ 1,171.74 million
Capital
$ 133.82 million
Summary Balance Sheet as of September 30, 2025
ASSETS
Cash & Balances due from depository institutions
$ 338.72 million
Interest-bearing balances
$ 321.78 million
Total securities
$ 118.55 million
Federal funds sold and reverse repurchase
N.A.
Net loans and leases
$ 761.79 million
Loan loss allowance
$ 7.62 million
Trading account assets
N.A.
Bank premises and fixed assets
N.A.
Other real estate owned
$ 0.03 million
Goodwill and other intangibles
N.A.
All other assets
$ 78.48 million
Total Assets
$ 1,191.34 million
LIABILITIES
Total deposits
$ 1,171.74 million
Interest-bearing deposits
$ 861.69 million
Deposits held in domestic offices
$ 1,171.74 million
% insured (estimated)"
67.00%
Federal funds purchased and repurchase agreements
N.A.
Trading liabilities
N.A.
Other borrowed funds
$ 10.00 million
Subordinated debt
N.A.
All other liabilities
$ 9.60 millionn
Total Liabilities
$ 1,191.34 million
Shareholders’ Equity
$ 133.82 million
Summary Income Statement as of September 30, 2025
INCOME AND EXPENSES
Total Interest Income
$ 24.73 million
Total Interest Expense
$ 1.25 million
Net interest income
$ 23.47 million
Provision for loan and lease losses
N.A.
Total non interest income
$ 8.16 million
Total non interest expense
$ 18.32 million
Pre-tax Net Operating Income
$ 13.31 million
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Branches
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