Monroe Federal (NASDAQ: MFBI) CFO receives 1,737 shares and 5,790 stock options

Rhea-AI Filing Summary

Monroe Federal Bancorp, Inc. reported that its CFO and Treasurer, Lisa M. Bird, received new equity awards on January 26, 2026. She acquired 1,737 shares of common stock as a restricted stock grant at a price of $0 per share, all held directly.

She was also granted stock options on 5,790 shares of common stock at an exercise price of $11.79 per share, with 5,790 options beneficially owned directly after the transaction. Both the restricted stock and the options vest at a rate of 20% per year beginning on January 26, 2027.

Insider Trade Summary

5 transactions reported

Mixed 5 txns

Insider Bird Lisa M.

Role CFO and Treasurer

Type	Security	Shares	Price	Value
Grant/Award	Stock Options	5,790	$0.00	--
Grant/Award	Common Stock	1,737	$0.00	--
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Stock Options — 5,790 shares (Direct); Common Stock — 1,737 shares (Direct); Common Stock — 15,000 shares (Indirect, By IRA)

Footnotes (1)

1. Shares of restricted stock vest at a rate of 20% per year commencing on January 26, 2027. Reflect transactions not required to be reported pursuant to Section 16 of the Securities Act of 1934, as amended. Stock options vest at a rate of 20% per year commencing on January 26, 2027.

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^*

Bird Lisa M.

(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)

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

3. Date of Earliest Transaction (Month/Day/Year)
01/26/2026

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	01/26/2026		A		1,737(1)	A	$0	1,737	D
Common Stock								15,000	I	By IRA
Common Stock								250	I	By Child
Common Stock								174(2)	I	By ESOP

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	$11.79	01/26/2026		A		5,790(3)		01/26/2027	01/26/2036	Common Stock	5,790(3)	$0	5,790(3)	D

Explanation of Responses:

1. Shares of restricted stock vest at a rate of 20% per year commencing on January 26, 2027.

2. Reflect transactions not required to be reported pursuant to Section 16 of the Securities Act of 1934, as amended.

3. Stock options vest at a rate of 20% per year commencing on January 26, 2027.

	/s/ Victor L. Cangelosi, pursuant to power of attorney	01/28/2026
	** 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 transactions did MFBI CFO Lisa M. Bird report?

Lisa M. Bird reported receiving 1,737 restricted shares of Monroe Federal Bancorp common stock and 5,790 stock options. Both awards were granted on January 26, 2026, as part of her compensation, with the awards vesting over multiple years starting in 2027.

At what price were Lisa M. Bird’s MFBI equity awards granted?

The 1,737 restricted shares were granted at a price of $0 per share, reflecting a compensatory award. The 5,790 stock options carry an exercise price of $11.79 per share, meaning that price must be paid to purchase the underlying common shares upon exercise.

How do Lisa M. Bird’s MFBI restricted shares vest?

The 1,737 restricted shares vest at 20% per year starting January 26, 2027. This means the award becomes fully vested over five years, aligning long-term incentives with company performance and encouraging executive retention through time-based vesting conditions.

What are the vesting terms of Lisa M. Bird’s MFBI stock options?

The 5,790 stock options vest at 20% per year beginning January 26, 2027. Over five years, the full grant becomes exercisable, allowing her to buy Monroe Federal Bancorp common stock at the fixed $11.79 exercise price if she meets the vesting schedule.

Does Lisa M. Bird hold additional MFBI common stock indirectly?

Yes. Beyond directly held awards, she is reported as indirectly beneficial owner of 15,000 shares through an IRA, 250 shares through a child, and 174 shares through an ESOP. These entries show existing holdings, not new transactions on the reported grant date.

What is the significance of transaction code “A” in Lisa M. Bird’s MFBI filing?

Transaction code “A” indicates an acquisition of securities, typically through a grant or award, rather than a market purchase. In this case, it reflects compensatory awards of 1,737 restricted shares and 5,790 stock options granted to the CFO on January 26, 2026.