Monroe Federal Bancorp (MFBI) director receives stock and option grants

Rhea-AI Filing Summary

Monroe Federal Bancorp, Inc. reported that one of its directors acquired new equity awards on December 18, 2025. The director received 789 shares of restricted common stock at a price of $0, increasing the directly held common shares to 789. In addition, the director holds indirect common stock positions through a trust, an IRA, and a Roth IRA.

The filing also shows a grant of 2,632 stock options with an exercise price of $10.75 per share, exercisable through December 18, 2035. Both the restricted stock and these options vest at a rate of 20% per year starting on December 18, 2026, meaning the director earns these rights gradually over time.

Insider Trade Summary

5 transactions reported

Mixed 5 txns

Insider Worley Sarah G.

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Stock Options	2,632	$0.00	--
Grant/Award	Common Stock	789	$0.00	--
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Stock Options — 2,632 shares (Direct); Common Stock — 789 shares (Direct); Common Stock — 6,707 shares (Indirect, As trustee for trust)

Footnotes (1)

1. Shares of restricted stock vest at a rate of 20% per year commencing on December 18, 2026. Stock options vest at a rate of 20% per year commencing on December 18, 2026.

Form 4 Insider Transactions: What Each Field Means →

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Worley Sarah G.

(Last) (First) (Middle)

24 EAST MAIN STREET

(Street)

TIPP CITY OH 45371

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
Monroe Federal Bancorp, Inc. [ MFBI ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
12/18/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	12/18/2025		A		789(1)	A	$0	789	D
Common Stock								6,707	I	As trustee for trust
Common Stock								5,787	I	By IRA
Common Stock								2,506	I	By Roth IRA

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Stock Options	$10.75	12/18/2025		A		2,632(2)		12/18/2026	12/18/2035	Common Stock	2,632(2)	$0	2,632(2)	D

Explanation of Responses:

1. Shares of restricted stock vest at a rate of 20% per year commencing on December 18, 2026.

2. Stock options vest at a rate of 20% per year commencing on December 18, 2026.

	/s/ Victor L. Cangelosi, pursuant to power of attorney	12/19/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What insider transaction did Monroe Federal Bancorp (MFBI) report on this Form 4?

The company reported that a director acquired 789 shares of restricted common stock and was granted 2,632 stock options on December 18, 2025 as part of equity compensation.

What are the vesting terms of the restricted stock for MFBI’s director?

The 789 restricted shares of Monroe Federal Bancorp common stock vest at a rate of 20% per year, beginning on December 18, 2026.

What are the key details of the stock options granted to the MFBI director?

The director received 2,632 stock options with an exercise price of $10.75 per share. These options vest at 20% per year starting December 18, 2026 and expire on December 18, 2035.

How many Monroe Federal Bancorp (MFBI) shares does the director own after this transaction?

After the reported transaction, the director holds 789 common shares directly and additional common stock indirectly through a trust, an IRA, and a Roth IRA, as listed in the filing.

What is the relationship of the reporting person to Monroe Federal Bancorp (MFBI)?

The reporting person is identified as a director of Monroe Federal Bancorp, Inc., and the Form 4 is filed as a single reporting person filing.

Was the MFBI director’s equity grant made at a cash cost to the director?

The filing shows the 789 restricted shares of common stock had a reported price of $0, indicating they were granted as compensation rather than purchased in the market.