Monroe Federal Bancorp (MFBI) director awarded stock and options

Rhea-AI Filing Summary

Monroe Federal Bancorp, Inc. reported an insider equity award to a director. On 12/18/2025, the director acquired 789 shares of common stock as an award classified as an acquisition at a price of $0 per share, bringing their directly held common stock to 15,789 shares after the transaction. The filing also shows the grant of 2,632 stock options with an exercise price of $10.75 per share, all held directly.

The restricted stock and options both vest at a rate of 20% per year starting on December 18, 2026, meaning the director’s ability to fully access these awards is spread over five years. This filing reflects routine director compensation and does not involve any sale of existing shares.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Steinke Jonathan J.

Role Director

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

Holdings After Transaction: Stock Options — 2,632 shares (Direct); Common Stock — 15,789 shares (Direct)

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^*

Steinke Jonathan J.

(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	15,789	D

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 in this Form 4?

The filing shows a director received an equity compensation grant on 12/18/2025, consisting of 789 shares of common stock and 2,632 stock options, both reported as acquisitions.

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

After the reported transaction, the director beneficially owns 15,789 shares of common stock directly, plus 2,632 stock options held directly.

What are the vesting terms for the Monroe Federal Bancorp (MFBI) restricted stock grant?

The 789 shares of restricted stock vest at a rate of 20% per year, commencing on December 18, 2026, so full vesting occurs over five years.

What are the key terms of the Monroe Federal Bancorp (MFBI) stock options granted to the director?

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

Is the reporting person a director or officer of Monroe Federal Bancorp (MFBI)?

The form identifies the reporting person’s relationship to Monroe Federal Bancorp, Inc. as a Director, with that box checked in the relationship section.

Was this Monroe Federal Bancorp (MFBI) Form 4 filed for one or multiple reporting persons?

The filing indicates it is a Form filed by One Reporting Person, with that line checked in the filing status section.