ESOP trust reports 6.8% stake in Monroe Federal

Monroe Federal Savings & Loan Association Employee Stock Ownership Plan Trust reported beneficial ownership of 36,851 shares of Monroe Federal Bancorp, Inc. common stock, representing 6.8% of the class as of 12/31/2025.

Accepted by SEC EDGAR 02/17/2026 - 04:21 PM EST Learn about SEC filing dates

Rhea-AI Filing Summary

Monroe Federal Savings & Loan Association Employee Stock Ownership Plan Trust reported beneficial ownership of 36,851 shares of Monroe Federal Bancorp, Inc. common stock, representing 6.8% of the class as of 12/31/2025.

The trust has sole voting power over 33,166 shares and shared voting power over 3,685 shares. It holds sole dispositive power over all 36,851 shares and no shared dispositive power. The filing states these securities were acquired and are held in the ordinary course of business and not for the purpose of changing or influencing control of the company.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What percentage of Monroe Federal Bancorp (MFBI) shares does the ESOP trust hold?

The ESOP trust holds 6.8% of Monroe Federal Bancorp’s common stock. This stake equals 36,851 shares as reported in the Schedule 13G/A. The holding reflects beneficial ownership by the Monroe Federal Savings & Loan Association Employee Stock Ownership Plan Trust as of December 31, 2025.

How many Monroe Federal Bancorp (MFBI) shares are beneficially owned by the ESOP trust?

The ESOP trust beneficially owns 36,851 MFBI common shares. This total includes shares over which the trust has different voting powers, and it represents 6.8% of the outstanding common stock class reported as of December 31, 2025 in the ownership section.

What voting power does the ESOP trust have over Monroe Federal Bancorp (MFBI) shares?

The ESOP trust has sole voting power over 33,166 MFBI shares and shared voting power over 3,685. In total, these positions sum to 36,851 shares of common stock. The trust also reports sole dispositive power over all of these shares and no shared dispositive power.

Who is the reporting person on the Monroe Federal Bancorp (MFBI) Schedule 13G/A?

The reporting person is the Monroe Federal Savings and Loan Association Employee Stock Ownership Plan Trust. Community Bank of Pleasant Hill, doing business as First Trust of MidAmerica, acts as trustee. The trust is organized in Ohio and reports its holdings in MFBI common stock.

Why did the ESOP trust file an amended Schedule 13G/A for Monroe Federal Bancorp (MFBI)?

The amended Schedule 13G/A reflects the ESOP trust’s 6.8% beneficial ownership stake. The certification states the securities were acquired and are held in the ordinary course of business, not to change or influence control of Monroe Federal Bancorp or participate in control-related transactions.

Is the ESOP trust seeking to influence control of Monroe Federal Bancorp (MFBI)?

The ESOP trust states it is not seeking to change or influence control of MFBI. The certification explains the securities were acquired and are held in the ordinary course of business, and not in connection with any transaction intended to affect control of the issuer’s securities.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13G

UNDER THE SECURITIES EXCHANGE ACT OF 1934

(Amendment No. 1)

Monroe Federal Bancorp, Inc.

(Name of Issuer)

Common Stock, par value $0.01 per share

(Title of Class of Securities)

61084A108

(CUSIP Number)

12/31/2025

(Date of Event Which Requires Filing of this Statement)

Check the appropriate box to designate the rule pursuant to which this Schedule is filed:

Rule 13d-1(b)

Rule 13d-1(c)

Rule 13d-1(d)

SCHEDULE 13G

CUSIP No. 61084A108

1

Names of Reporting Persons

Monroe Federal Savings & Loan Association Employee Stock Ownership Plan Trust

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

OHIO

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 33,166.00
6	Shared Voting Power 3,685.00
7	Sole Dispositive Power 36,851.00
8	Shared Dispositive Power 0.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

36,851.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

6.8 %

12

Type of Reporting Person (See Instructions)

EP

SCHEDULE 13G

Item 1.
(a)	Name of issuer: Monroe Federal Bancorp, Inc.
(b)	Address of issuer's principal executive offices: 24 East Main Street, Tipp City, Ohio, 45371
Item 2.
(a)	Name of person filing: Monroe Federal Savings and Loan Association Employee Stock Ownership Plan Trust Trustee: Community Bank of Pleasant Hill, dba First Trust of MidAmerica
(b)	Address or principal business office or, if none, residence: 3500 N Village Dr. Suite 220 St. Joseph, Missouri 64506
(c)	Citizenship: Ohio
(d)	Title of class of securities: Common Stock, par value $0.01 per share
(e)	CUSIP No.: 61084A108
Item 3.	If this statement is filed pursuant to §§ 240.13d-1(b) or 240.13d-2(b) or (c), check whether the person filing is a:
(a)	Broker or dealer registered under section 15 of the Act (15 U.S.C. 78o);
(b)	Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c);
(c)	Insurance company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c);
(d)	Investment company registered under section 8 of the Investment Company Act of 1940 (15 U.S.C. 80a-8);
(e)	An investment adviser in accordance with § 240.13d-1(b)(1)(ii)(E);
(f)	An employee benefit plan or endowment fund in accordance with § 240.13d-1(b)(1)(ii)(F);
(g)	A parent holding company or control person in accordance with § 240.13d-1(b)(1)(ii)(G);
(h)	A savings associations as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813);
(i)	A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act of 1940 (15 U.S.C. 80a-3);
(j)	A non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J). If filing as a non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J), please specify the type of institution:
(k)	Group, in accordance with Rule 240.13d-1(b)(1)(ii)(K).
Item 4.	Ownership
(a)	Amount beneficially owned: 36,851
(b)	Percent of class: 6.8 %
(c)	Number of shares as to which the person has:
	(i) Sole power to vote or to direct the vote: 33,166
	(ii) Shared power to vote or to direct the vote: 3,685
	(iii) Sole power to dispose or to direct the disposition of: 36,851
	(iv) Shared power to dispose or to direct the disposition of: 0
Item 5.	Ownership of 5 Percent or Less of a Class.
	Not Applicable
Item 6.	Ownership of more than 5 Percent on Behalf of Another Person.
	Not Applicable
Item 7.	Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on by the Parent Holding Company or Control Person.
	Not Applicable
Item 8.	Identification and Classification of Members of the Group.
	Not Applicable
Item 9.	Notice of Dissolution of Group.
	Not Applicable

Item 10.

Certifications:

By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were acquired and are held in the ordinary course of business and were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under ?? 240.14a-11.

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

Monroe Federal Savings & Loan Association Employee Stock Ownership Plan Trust

Signature:	/s/ Ryan Thompson
Name/Title:	Ryan Thompson, Vice President, Community Bank of Pleasant Hill dba First Trust of MidAmerica, as Trustee
Date:	02/17/2026