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Company Profile

Mission Statement: "Building Lasting Relationships Through Exceptional Service"
The companies in the Monarch family are currently:

Monarch Financial Holdings, Inc.

The one-bank holding company for Monarch Bank formed on June 1, 2006. Monarch Financial Holdings, Inc. owns 100% of the stock in Monarch Bank.

Monarch Bank

Founded in 1998 and headquartered in Chesapeake, Virginia, Monarch offers a wide variety of traditional banking services with four core businesses: business/commercial banking, retail banking, real estate construction and development lending, and financial services. The Bank currently has nine banking offices in the City of Chesapeake (2), the City of Virginia Beach (5), and the City of Norfolk (2). It serves local businesses, professionals, corporate executives, and individuals.

OBX Bank

Monarch launched OBX Bank in May 2007. A division of Monarch Bank that operates two offices in Kitty Hawk and Nags Head, North Carolina, OBX Bank is a full-service bank based on the traditional ways of 'locals serving locals' banking philosophy. OBX Bank is a community bank dedicated to the residents and businesses on the Outer Banks of North Carolina. OBX Bank has access to the latest technology including online cash management, credit card services and remote deposit capture.

Monarch Mortgage

Offers residential mortgage lending solutions, and is a full-service lender offering conventional, FHA, VA, and VHDA loan programs. Monarch Mortgage is a wholly owned division of Monarch Bank headquartered in Virginia Beach, Virginia. Monarch Mortgage and our affiliated mortgage companies (Coastal Home Mortgage, LLC, Monarch Home Funding, LLC, Regional Home Mortgage LLC and OBX Bank Mortgage) has offices with locations in Chesapeake, Fredericksburg, Norfolk, Richmond, and Virginia Beach, Virginia as well as Bowie, College Park, Crofton, Gaithersburg, Rockville, and Waldorf, Maryland and Charlotte, Kitty Hawk and Wilmington, North Carolina and Greenwood, South Carolina.

Monarch Investment, LLC

Monarch Investment is a wholly owned subsidiary of Monarch Bank that owns a minority interest in Infinex Financial Group. Infinex Financial Group is a company jointly owned by community banks and banking associations throughout the United States. Through this ownership and affiliation, we can offer full-service investment consulting.

Monarch Bank Private Wealth

Monarch launched Monarch Bank Private Wealth with the expansion into the Williamsburg and Peninsula markets in September 2012. Bernard "Bernie" H. Ngo, Williamsburg & Peninsula President and Patrick Faulkner, Managing Director Investments serve as managing directors to offer private banking and Raymond James Financial Services, Inc. to offer financial planning, trust and investment services to affluent individuals. Raymond James is affiliated with more than 6,500 financial advisors who serve approximately 2.4 million individual and institutional accounts in 2,600 locations throughout the United States, Canada and abroad. Raymond James was named the number one full-service brokerage firm by SmartMoney magazine in a 2011 survey, and in 2012 was named the fourth most admired securities company in the world for the second year in a row.

Monarch Charities

Monarch Charities is a 503 (C) company established to raise funds for local children's charities in the Bank's primary trade area. Monarch Charities hosts an annual fall golf tournament to raise funds for these important causes.

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