Monarch Community Bancorp
Monarch Community Bancorp is a federally chartered bank holding company founded in 1934 in Coldwater, Michigan, that accepts deposits, makes loans, and provides banking services to the local community through a small team of 51-100 employees.
- Company typePrivate
- Founded1934
- HeadquartersColdwater, United States
- Headcount51–100
- GTM typeB2C
- OfferingServices
What Monarch Community Bancorp does
Monarch Community Bancorp is a federally chartered bank holding company headquartered in Coldwater, Michigan, United States. The company accepts deposits, makes loans, and provides other banking services for the public, functioning as the parent entity for a community bank subsidiary. It was founded in 1934 and operates with 51-100 employees, consistent with a small community banking institution serving a localized market.
The company previously traded on the OTCQB marketplace under the ticker symbol MCBF and is currently classified as delisted from a primary exchange, indicating it now operates as a publicly traded but over-the-counter entity. Its CEO is John R. Schroll, who leads the organization. The company's website is hosted at monarchcb.com.
Monarch Community Bancorp's business model is that of a traditional community bank, generating revenue primarily through net interest income on lending activities and fee income from deposit and ancillary banking services. The company completed a $16,500,000 funding round on 2013-11-22, the details of which (investors, lead, structure) are not specified in the available source. Beyond this, the input data does not disclose pricing, product mix, or detailed financial metrics, limiting the depth of revenue and growth analysis available.
Monarch Community Bancorp firmographics
Firmographics- Name
- Monarch Community Bancorp
- Website
- https://monarchcb.com
- Company type
- Private
- Founded year
- 1934
- Headcount range
- 51–100 employees
- Short description
- Monarch Community Bancorp is a federally chartered bank holding company founded in 1934 in Coldwater, Michigan, that accepts deposits, makes loans, and provides banking services to the local community through a small team of 51-100 employees.
- Ownership category
- akta.pro rank
Monarch Community Bancorp industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (522110)
- SIC
- National Commercial Banks (6021)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
Keywords
Where Monarch Community Bancorp is headquartered
LocationHeadquarters
- HQ city
- Coldwater
- HQ country
- United States
- HQ region
- North America
Markets served
Monarch Community Bancorp business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Marketing or Sales
Monarch Community Bancorp product offering
Product offeringCore offering
Monarch Community Bancorp is a federal bank holding company that accepts deposits, makes loans, and provides other banking services to the public. Operating through its subsidiary Monarch Community Bank, it delivers traditional retail and community banking products from Coldwater, Michigan.
Differentiator
Problem solved
Functional benefit
Products and services
- Deposit Accounts Deposit products accepted from the public, including standard retail and community bank deposit services for individual and local customers.
- Loans Loan products originated for the public, supporting consumer and small-business borrowing needs served by a community bank.
- Other Banking Services Additional ancillary banking services provided to the public alongside deposits and loans as part of a full-service community bank offering.
Companies that use Monarch Community Bancorp
Customer profileIdeal customer profiles1 record
Monarch Community Bancorp technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Monarch Community Bancorp partnerships and signals
Strategic signalRecent moves3 records
Monarch Community Bancorp competitors and assessment
Company assessmentDirect peers
- Old Second Bancorp: Old Second Bancorp is an Illinois community bank holding company with a deposit-and-lend model serving retail and small-business customers. Similar in scale band and business mix to Monarch — a useful direct peer for benchmarking operations and valuation.
- S&T Bancorp: S&T Bancorp is a Pennsylvania-based community bank holding company operating a comparable retail and commercial banking franchise. Similar deposit-driven model and small-bank regulatory profile make it a valid peer for Monarch.
- Independent Bank Corporation: Independent Bank Corporation is a Michigan-based bank holding company with a similar community/commercial banking profile rooted in small-town markets. Directly comparable on geography, scale band (~$2-3B assets), and customer mix — making it a clear peer for Monarch.
- Honor Bancorp: Honor Bancorp is a small Michigan community bank holding company serving suburban and rural communities. Comparable in size band and community banking model to Monarch, with similar funding and lending focus on local retail and small-business customers.
- Equity Bancshares: Equity Bancshares is a community bank holding company operating across multiple Midwestern states with a similar commercial-deposit and small-business focus. Comparable business model and balance sheet composition to a community holding company like Monarch.
- Mercantile Bank Corporation: Mercantile Bank Corporation is a Michigan-based community commercial bank holding company operating a similar full-service deposit and lending franchise to Monarch. Comparable on regional concentration, business model, and small-bank regulatory profile — direct peer candidate.
- First Bancorp: First Bancorp operates community-oriented bank holding companies in the Mid-Atlantic/Southeast U.S. with a comparable balance-sheet-driven business model to Monarch. Useful peer for community-bank capital efficiency benchmarking.
- Mackinac Financial Corporation: Mackinac Financial operates a community bank franchise in Michigan and Upper Peninsula markets, with similar small-deposit-base retail and commercial banking. Peer on geography and product overlap with Monarch Community Bancorp.
- Civista Bancshares: Civista Bancshares is an Ohio-based community bank holding company with full-service depository and commercial lending operations. Closely comparable to Monarch on business model (community-focused commercial/retail banking) and regulatory structure, despite serving a different Midwestern footprint.
Broad incumbents
- Tompkins Financial Corporation: Tompkins Financial operates a broader, multi-state community and commercial banking franchise across the Northeast and Mid-Atlantic. Comparable line of business but at greater scale than Monarch — useful as an incumbent benchmark for valuation multiples and operating KPIs.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks4 records
Key highlights4 records
Customer concentration
Monarch Community Bancorp social profiles
Digital presenceMonarch Community Bancorp financial estimates
Financial estimateRevenue estimate
Valuation estimate
Monarch Community Bancorp leadership team
Management profileNumber of profiles
Profiles1 record
Monarch Community Bancorp funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Monarch Community Bancorp M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Monarch Community Bancorp
What does Monarch Community Bancorp do?
Monarch Community Bancorp is a federal bank holding company that accepts deposits, makes loans, and provides other banking services to the public. Operating through its subsidiary Monarch Community Bank, it delivers traditional retail and community banking products from Coldwater, Michigan.
Is Monarch Community Bancorp a public or private company?
Monarch Community Bancorp is a private company. It is classified as public.
When was Monarch Community Bancorp founded?
Monarch Community Bancorp was founded in 1934. It employs 51 to 100 people.
Where is Monarch Community Bancorp based?
Monarch Community Bancorp is headquartered in Coldwater, United States, in the North America region.
Who are Monarch Community Bancorp's main competitors?
Direct peers on record are Old Second Bancorp, S&T Bancorp, Independent Bank Corporation, Honor Bancorp, Equity Bancshares, Mercantile Bank Corporation, First Bancorp, Mackinac Financial Corporation and Civista Bancshares. Tompkins Financial Corporation is listed as a broad incumbent.
Does Monarch Community Bancorp have an API?
No public API is recorded for Monarch Community Bancorp.
What industry is Monarch Community Bancorp in?
Monarch Community Bancorp's product category is Community Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings). Its NAICS code is 522110 and its SIC code is 6021.