Monarch Financial Holdings, Inc. (Monarch) is a bank holding company. The Company is engaged in commercial and retail banking, investment and insurance sales, and mortgage origination and brokerage. The Company also conducts its operations through its wholly owned subsidiary, Monarch Bank (Bank), and its two wholly owned subsidiaries, Monarch Investment, LLC and Monarch Capital, LLC. The Company also does business in some markets as OBX Bank, Monarch Mortgage and under various names via joint ventures with other partners. The Bank serves the needs of local businesses, professionals, corporate executives and individuals in the South Hampton Roads area of Southeastern Virginia and the Outer Banks region of Northeastern North Carolina. It operates nine banking offices, 12 residential mortgage offices and one investment services office in the cities of Chesapeake, Norfolk and Virginia Beach, Virginia.