Monarch Financial Holdings, Inc. (Monarch) is a Virginia-chartered bank holding company engaged in commercial and retail banking, investment and insurance sales, and mortgage origination and brokerage. The Company conducts its operations through its wholly owned subsidiary, Monarch Bank (the Bank), and its two wholly owned subsidiaries, Monarch Investment, LLC and Monarch Capital, LLC. The Company operates through two segments: community banking (banking) and retail mortgage banking (mortgage banking) services. The Company's community banking segment involves making loans to and generating deposits from individuals and businesses. Monarch's mortgage banking services consist of originating residential loans and subsequently selling them to investors. Monarch also does business in some markets as OBX Bank, Monarch Bank Private Wealth, Monarch Mortgage and under various names via joint ventures with other partners.