If You Invested in Monroe Fed Bancorp Inc (MFBI)

Monroe Federal Bancorp, Inc. (MFBI) is the holding company for Monroe Federal Savings and Loan Association, according to its definitive proxy materials filed with the U.S. Securities and Exchange Commission. The company uses the Monroe Federal Bancorp, Inc. name for the holding company and refers to its banking subsidiary as Monroe Federal Savings and Loan Association, or Monroe Federal, in its filings.

The company indicates in its proxy statement that it completed its initial public offering in October 2024 and subsequently began holding annual meetings of stockholders. Monroe Federal Bancorp, Inc. is organized under the laws of Maryland, as reflected in its Form 8-K filing, and its corporate and shareholder matters are governed by its Articles of Incorporation and related governance documents described in its proxy materials.

Monroe Federal Bancorp, Inc. states that it operates as the parent company of Monroe Federal Savings and Loan Association, and that it uses terms such as “Monroe Federal Bancorp,” the “Company,” “we,” “our,” or “us” to refer to the holding company in its proxy statement. It further explains that Monroe Federal Savings and Loan Association is referred to as “Monroe Federal” or the “Association.” This structure is typical of a bank holding company arrangement, in which a publicly traded parent company owns a regulated depository institution.

The company’s proxy materials describe the mechanics of its corporate governance and shareholder voting. Stockholders of Monroe Federal Bancorp, Inc. elect directors to the board, vote on equity incentive plans, and ratify the appointment of the independent registered public accounting firm. The company notes that there is no cumulative voting for the election of directors and that directors are elected by a plurality of the votes cast at the annual meeting.

Monroe Federal Bancorp, Inc. also explains how stockholders may hold their shares, including directly as stockholders of record, indirectly in “street name” through brokers or banks, or indirectly through the Monroe Federal Savings and Loan Association Employee Stock Ownership Plan (the “ESOP”). The proxy statement outlines how voting instructions are collected and how the ESOP trustee votes allocated and unallocated shares, subject to fiduciary duties.

The company’s filings describe procedural aspects of its annual meeting of stockholders, including the need for a quorum, the treatment of broker non-votes and abstentions, and the methods by which stockholders can vote (by mail, via the Internet, or in person). Monroe Federal Bancorp, Inc. emphasizes the importance of stockholders returning proxies or otherwise casting votes so that their shares are represented at the annual meeting.

In its Form 8-K reporting the results of the annual meeting of stockholders held on December 17, 2025, Monroe Federal Bancorp, Inc. discloses that stockholders voted on the election of three directors, the approval of the Monroe Federal Bancorp, Inc. 2025 Equity Incentive Plan, and the ratification of the appointment of Wipfli LLP as the independent registered public accounting firm for the fiscal year ending March 31, 2026. The filing provides vote totals for each director nominee and for each proposal.

The company’s proxy materials also describe certain limitations contained in its Articles of Incorporation. For example, record holders of the company’s common stock who beneficially own, directly or indirectly, more than 10% of the outstanding shares are not entitled to vote the shares held in excess of that 10% limit. The proxy statement explains how this ownership and voting limitation applies in practice when determining voting rights at the annual meeting.

Monroe Federal Bancorp, Inc. provides information to its stockholders about the availability of its proxy materials and its Annual Report on Form 10-K, which includes audited consolidated financial statements for the fiscal year ended March 31, 2025. The proxy statement notes that these materials are accessible through an online portal dedicated to the company’s annual meeting information.

Through these SEC filings, Monroe Federal Bancorp, Inc. presents itself as a publicly traded holding company for a savings and loan association, with a focus on formal corporate governance, shareholder voting procedures, and regulatory reporting. Investors and stockholders can use the company’s proxy statements, Form 8-K reports, and Form 10-K to understand its governance framework, ownership structure, and the matters presented to stockholders for approval.