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 (the 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 operates in two segments: community banking and retail mortgage banking services. Community banking involves making loans to and generating deposits from individuals and businesses in the markets where it has offices. Its mortgage banking services consist of originating residential loans and subsequently selling them to investors.