Exhibit 99.1

 

Exhibit 99.1

Investor Presentation

As of December 31, 2014 February 19, 2015

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Forward-Looking Statements

Certain information contained in this discussion may include “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. These forward-looking statements relate to the Company’s future operations and are generally identified by phrases such as “the Company expects,” “the Company believes” or words of similar import. Although the Company believes that its expectations with respect to the forward-looking statements are based upon reliable assumptions within the bounds of its knowledge of its business and operations, there can be no assurance that actual results, performance or achievements of the Company will not differ materially from any future results, performance or achievements expressed or implied by such forward-looking statements. For details on factors that could affect expectations, see the Company’s most recently issued Annual Report on Form 10-K, as filed with the Securities and Exchange Commission.

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Introduction

Brad E. Schwartz

Chief Executive Officer

E. Neal Crawford, Jr.

President

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Corporate Profile

Monarch Financial Holdings is a financial services company headquartered in Chesapeake, Virginia:

$1.07 billion in assets

$773 million in loans held for investment

$149 million in loans held for sale

$919 million in deposits

Monarch Bank, opened in 1999, has 10 banking offices and one LPO in Hampton Roads and is the second largest community bank by deposits in the MSA. One LPO in Richmond.

OBX Bank, a division of Monarch Bank, opened in 2007 to serve the local needs of the Outer Banks NC market with 2 offices.

Monarch Mortgage drives significant non-interest income through retail residential mortgage origination with 35+ offices.

Monarch Bank Private Wealth opened in late 2012 to capture private wealth business with Raymond James Financial as B/D.

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Monarch Franchise

Monarch Bank Offices:

Chesapeake, VA (2) Williamsburg, VA

Norfolk, VA (2) Virginia Beach, VA (5)

Newport News, VA (LPO 2013)

OBX Bank Offices:

Kitty Hawk, NC Nags Head, NC

Monarch Mortgage Offices:

Chesapeake, VA (3) Woodbridge, VA Annapolis, MD

Norfolk, VA (3) Bowie, MD Charlotte, NC (3)

Virginia Beach, VA (4) Crofton, MD Kitty Hawk, NC

Newport News, VA Gaithersburg, MD Wake Forest, NC

Richmond, VA (3) Greenbelt, MD Wilmington, NC (2)

Fredericksburg, VA Rockville, MD (2) Elizabeth City, NC

Fairfax, VA (2) Towson, MD Greenwood, SC

Alexandria, VA Waldorf, MD

Monarch Bank Private Wealth / Monarch Investments:

Williamsburg, VA (NEW 2012)

Virginia Beach, VA

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Outside Recognition

BB&T Capital Markets “Buy” recommendation with $14 12-month price target Bauer top 5-STAR bank rating since 2009 KBW Honor Roll Award winner 2011 (top 40), 2012 (top 45) and 2013 (top 48). One of two banks in Virginia to win all three years.

Sandler O’Neil Sm-all Star Award for 2012 financial performance. SNL Top 100 Community Banks in 2012

Recognized as “Rising 20” top growth company in Hampton Roads (3x)

Recognized by Inside Business as one of the “Best Places to Work” in Hampton

Roads in 2007, 2009, 2011, 2012

Recognized by Virginia Business Magazine as a “Best Places to Work in Virginia” in 2014 and 2015

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Experienced Management Team

Our senior management team consists of 24 experienced bankers with an average of 29 years

experience in the financial services industry. Bank loan production and risk is managed via

specialized teams with a scalable market president approach.

– 9.8% Directors and Executive Management stock ownership

Years

Name Position Experience

Brad E. Schwartz (52) * Chief Executive Officer 30

E. Neal Crawford, Jr. (52)* President 29

William T. Morrison (52)* CEO, Monarch Mortgage 30

Denys J. Diaz (48) Executive Vice President & Chief Information Officer 22

Lynette P. Harris (57) Executive Vice President & Chief Financial Officer 32

Andrew N. Lock (50) Executive Vice President & Chief Risk Officer 22

James Ferber President Real Estate Finance Group 32

Jack Lane President Monarch Mortgage 22

Steve Layden President Commercial Banking Group 36

Jeremy Starkey President Commercial Real Estate Finance Group 23

Theresa Ruby Senior Vice President Cash Management 29

David Ropp Market President/Banker Chesapeake 30

Chas Wright Market President/Banker Virginia Beach 11

Craig Reilly Market President/Banker Norfolk 17

David McGlaughon Market President/Banker OBX Bank 34

William Carr Market President/Banker Newport News/Peninsula 34

Bernie Ngo Market Pres./Managing Dir. Williamsburg/Private Wealth 31

Patrick Faulkner EVP/Managing Director Private Wealth/Investments 28

James Miller EVP/Chief Operating Officer Monarch Mortgage 35

Barbara Guthrie Executive Vice President Property Management 44

Barry Mathias Executive Vice President Chief Credit Officer 43

Karyn Mercier Senior Vice President Banking Office Leader 36

Mary Anderson Senior Vice President Human Resources 28

* Serves as a director of Monarch Bank and Monarch Financial Holdings, Inc.

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Our “Smart Growth” Business Strategy

Have the Platform to support a larger bank. Focus on organic growth

Grow Banking through banker and team hiring, and seek out attractive whole-bank

Franchise acquisitions. Use Market Presidents and advisory boards for product and

service delivery in existing and new markets along the I-64 pathway.

Private Banking/Cash Management Group focused on core deposit

Grow Core generation and service of business deposits, focused on checking account

Deposits growth. Target of $50 million or more per depository office, currently

average $77M per office. Deliver technology on par with major banks.

Build and maintain sustainable revenue and net income sources

Grow Non- incremental to our spread income through significant residential mortgage

Interest Income origination, investment management activities, and future insurance

Lines of Business agency integration, all with a bottom line mentality.

Continue to conservatively underwrite credits and enterprise wide risk.

Maintain Risk Maintain strong risk management focus with retail mortgage origination

Management business, and use compliance as a strategic advantage in shrinking

Focus competitor pool.

Maintain Deliver high performance shareholder returns through strict adherence to

Financial risk management and pricing philosophy. Remain a shareholder focused

Discipline company with annual EPS and dividend growth.

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Management’s Focus

Hiring talented bankers and teams

Loan growth and client engagement/retention

Bank acquisition opportunities

Capital planning for potential acquisitions

Growing client base of Monarch Bank Private Wealth

Growing Bank/Mortgage/Private Wealth in existing and new markets of

Newport News, Williamsburg, and Richmond

Growing core transaction deposits

Maintaining our A/L position for eventual rising interest rate environment

Engaging 160 Directors (11 Corporate) across 8 Boards

Regulatory compliance/risk management as a competitive advantage

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Financial Highlights

2014 2013 2012 2011 2010 2014-2010

Total Assets $1,066.7 $1,016.7 $1,215.6 $908.8 $825.6 7%

Loans, HFI 772.6 712.7 661.1 607.6 558.9 10%

Loans, HFS 147.7 99.7 419.1 211.6 175.4 -4%

Total Deposits 919.4 893.1 901.8 740.1 705.7 8%

Stockholders Equity 107.4 97.5 87.3 76.2 71.6 13%

Interest Income LHFS $ 4.9 $ 7.0 $ 11.3 $ 5.4 $ 6.6 -6%

Net Interest Income 39.3 39.6 40.6 $33.6 $30.5 7%

Non-Interest Income 67.1 69.9 89.8 54.7 53.4 6%

Net Income 11.2 11.1 12.8 7.1 5.9 22%

N.I. Available to Common Shareholders 11.2 11.1 11.4 5.6 4.4 39%

Return on Equity 10.95% 11.97% 15.84% 9.66% 8.59% 7%

Diluted Earnings per Share $1.05 $ 1.08 $ 1.25 $0.70 $0.62 17%

Book Value per Share $10.10 $ 9.29 $ 8.80 $7.81 $7.20 10%

Net Interest Margin 4.25% 4.13% 4.29% 4.51% 4.22% 0%

NPAs & 90 PD / Total Assets 0.28% 0.25% 0.29% 0.84% 1.30% -20%

Loan Loss Reserves / Loans, HFI 1.16% 1.27% 1.65% 1.63% 1.62% -7%

Total Risk Based Capital/RBA 13.79% 13.91% 12.05% 12.42% 12.99% 2%

Average Shares Outstanding, diluted 10,689,219 10,299,471 10,271,874 10,165,105 7,003,556 13%

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Annual Net Income Trend

In thousands

$14,000

$12,000 Mortgage

Refinance

Market

$10,000

$8,000

$6,000

$4,000

$ $ $

$2,000 $ $

5,949 7,126 4 12,89 1 11,09 2 11,21

$0

2010 2011 2012 2013 2014

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Net Interest Income – Peer Comparison

Bank Only – FFIEC Information

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Net Overhead – Peer Comparison

Mortgage Mortgage Refi Boom Refi Boom

Long-term Goal

2.00%—2.25% Net Overhead Ratio

Bank only – FFIEC Information. Net overhead is non-interest expense less non-interest income divided by average assets.

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Capital

Monarch Financial Holdings, Inc. is one bank holding company (2006) Publicly traded on Nasdaq Capital Market under MNRK

- Common Equity 10,652,475 shares $107,538,000

- Pooled Trust Preferred at L+160 $ 10,000,000 Total Capital $117,538,000

Capital Activities

- Issued $14.7 Million in TARP in December 2008 as an abundance of caution. Repaid TARP Capital in full in December 2009.

- Issued $20 million of Non-cumulative Perpetual Convertible Preferred issued in 2009. Force converted to common stock in early 2013, 800,000 shares of preferred converted to 3.0 million shared of common.

- Began paying common stock dividends in 2010

$0.14=2010, $0.16=2011, $0.19=2012, $0.24=2013, $0.31=2014

- Performed common stock 6:5 split as of November 2012

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Balance Sheet 12/31/2014

In millions

1,100,000 Borrowings

106,900 Non-core funding

1,000,000 147,690 (CDARS,

Mortgage Loans brokered, Fed

900,000 Held for Sale fund purchased)

800,000

700,000

600,000

772,590 812,514

500,000 Loans HFI Core Deposits

400,000

300,000

200,000

100,000 89,124 Cash / Investments 29,786 Other Liabilities

57,333 Other Assets 117,538 Capital w/TPS

0 —

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Steady Balance Sheet Growth – Total Assets

In millions

$1,400

$1,216

$1,200

$1,017 $1,067

$1,000 $908

$826

$800

$690

$597

$600 $502

$407

$400 $331

$227

$200

$0

2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014

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10 Years Steady Loan Growth

In millions

$1,200

$1,000

419 148

$800 100

212

186

$600 79

54

19

$ $ 200 400 419 505 538 559 608 661 713 773

179 263 321

$0

2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014

Gold equals loans held for investment, yellow equals mortgage loans held for sale

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Diversified Loan Portfolio

Significant controls in place to actively monitor and manage real estate exposure

– Centralized residential real estate and construction underwriting and monitoring

– Centralized Commercial Real Estate Group, with CRE loan brokerage capacity

Mortgage loans held for sale provide additional spread income and average 35-45 days on the

balance sheet

LOANS HELD FOR INVESTMENT BY

TOTAL LOANS 3% 1% PURPOSE CODE

$1,000 Commercial

$900 9% 18%

$800 LHFS RE Comm-OO

$700 RE Comm-NOO

$600 14% RE Construction

$500 14%

$400 RE Residential

$300 RE Heloc

$200 22% RE Multifamily

$100 19%

$0 LHFI Consumer

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Non-Performing Assets – Historically Low to Peer

Non-Performing Assets includes loans & debt securities past due 90 days or more and those placed on non-accrual status, and non-investment OREO.

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Our Texas Ratio – Compared to Peers

The Texas Ratio is defined as non-current loans & debt securities plus non-investment OREO divided by tangible equity plus loan loss reserves.

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Steady Balance Sheet Growth—Deposits

$1,000 In millions

$919 $902 $895 $900 $800 $740 $713 $700 $600 $540 $498 $500 $400 $389 $273$314 $300 $200 $171 $100 $0

2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014

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Deposits Mix

Core deposit mix is vital to funding our loan growth and preserving our net interest margin

– Have a Cash Management Team to rival larger competitors

– Goal is to sell and service large commercial deposit relationships

– Converted to robust online/mobile delivery system in Q4 2014 33% of total deposits in DDA

We utilize non-core FHLB, CDARS and brokered deposits for mortgage loan funding

100%

32% 26% 25% 80% 45% 38% 38% 60% 44% 43% 40% 40% 41% 39% 33% 20% 33% 22% 21% 24% 28% 29% 0% 2009 2010 2011 2012 2013 CK SAV/MM TD

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Checking Account Focus = Record Growth

$350 In millions

$300

67

$250

56

Management Implemented 65

$200

TeamCash

$150 41

235

32 207

$100 195

15 20

11 134

$50 80 76 98

56 63 66 29

$0

2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014

Gold equals non-interest bearing DDA, green equals interest-bearing DDA.

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Deposit Market Share – Room for Growth

Ranked #6 with $774 million or 3.58% deposit market share in 36th Largest MSA in U.S.

– Top five institutions had 78% of deposits in the market, four are regional/national

– Surpassed Old Point, Southern Bank, and Bank of Hampton Roads in 2013

– OBX Bank #4 with Kitty Hawk Main Office 2nd largest in Dare County (OBX)

Branch Deposits

2014 Count in Market Market Share (%) Total Avg. Per

Rank Institution – Top 10 (#) ($M) 2013 2009 Growth Branch

1 Wells Fargo & Company (SD) 54 $ 4,405 20.37% 19.32% (1.05%) $ 81,600

2 TowneBank (VA) 26 $ 3,612 16.70% 13.08% 3.62% $ 138,900

3 SunTrust Banks, Inc. (GA) 41 $ 3,496 16.16% 15.11% 1.05% $ 85,300

4 BB&T Corporation (NC) 51 $ 2,917 13.48% 12.82% 0.66% $ 57,200

5 Bank of America Corporation (NC) 37 $ 2,343 10.83% 12.53% (1.70) $ 63,300

6 Monarch Financial Holdings, Inc. (VA) 10* $ 774 3.58% 2.53% 1.05% $ 77,400

7 Old Point Financial Corporation (VA) 21 $ 717 3.32% 3.15% 0.17% $ 34,100

8 Hampton Roads Bankshares, Inc. (VA) 18 $ 622 2.87% 4.03% (1.16) $ 34,500

9 PNC Bank (PA/DE) 12 $ 360 1.67% 2.15% (0.48) $ 30,000

10 Farmers Bank (VA) 5 $ 332 1.54% 1.70% (0.16) $ 66,500

Greater Hampton Roads MSA 355 $ 21,628 $ 19,912

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Non-Interest Income Growth

Our strategy involves building and maintaining sustainable revenue and net income sources in addition to traditional banking spread income

– Monarch Mortgage: Originates retail prime residential mortgage loans

– Real Estate Security Agency: residential and commercial title and settlement

– Monarch Capital: commercial mortgage brokerage services

– Monarch Bank Private Wealth: investment, trust, financial planning

Mortgage banking revenue $32,477 $50,506 $51,362 $86,338 $65,672 62,440 Investment and insurance commissions 749 290 250 173 1,054 1,592

Service charges and fees 1,502 1,637 1,630 1,830 1,942 2,058 Title company revenue 309 599 618 814 789 670

Other 597 472 885 606 425 319

Total Non-Interest Income $35,634 $53,503 $54,745 $89,761 $69,882 $67,079

Non-Interest Income / Operating Revenue 61.7% 63.7% 63.1% 66.9% 61.2% 60.9%

* Operating Revenue defined as non-interest income plus net-interest income

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Monarch Mortgage

Monarch Mortgage, headquartered in Virginia Beach, was founded in 2007. Retail origination of permanent residential mortgage loans primarily sold, servicing released, into the secondary market.

Partnered with #1 local residential realty company in 2013 and opened 8 in-office locations trading as Advance Mortgage.

Mortgage Originations

Strong risk management and bank oversight

In millions $3,000.00

Experienced and proven management team $2,703

$2,500.00

$1,977

Monarch Mortgage operates over 35 locations $2,000.00

$1,630 $1,656 $1,604 $1,500.00

– 14 in core banking markets $1,186

$1,000.00

– 23 in mortgage only markets $577

$500.00

$75 $200

Significant origination capabilities: $0.00

2006 2007 2008 2009 2010 2011 2012 2013 2014

– $1.6 Billion closed in 2014, $1.8 billion annualized run rate in Q2, Q3, Q4 2014

– Primary focus on purchase market, 80% of closings in 2014

– Minimal legacy loan issues, $3 million in operating reserves

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Monarch Bank Private Wealth

Opened Monarch Bank Private Wealth in September 2012 Hired proven team from Suntrust Bank

- Investment Professionals, Private Bankers, Commercial Lender, CFPs

- Non-compete and non-solicitations didn’t expire until September 2013 Raymond James Financial Services (RJFS) serves as Broker-Dealer Target market is retiree and professionals with $500,000+ in investible assets Through December 31, 2014

- $235 million in assets under management

- $76 million in discretionary fee-based equity model portfolio accounts

- 221 client relationships, 81% with Goal Planning & Monitoring plans Plans to integrate/grow the business throughout banking footprint with offices:

- Williamsburg – Headquarters, retirement market

- Virginia Beach – Recently hired experience leader

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Risk Management

Company has an Enterprise Risk Management Committee to ensure risk is properly identified and managed

The credit risk within the company is overseen by our experienced Chief Risk Officer and Chief Credit Officer

- All loans are reviewed and loan relationships that exceed $1,500,000 are approved by either a management loan committee or a board of directors’ loan committee weekly

- All loans are risk rated with those ratings reviewed annually by an independent third-party loan review service

Mortgage operational risks are managed through an experienced senior management team at Monarch Mortgage along with oversight from Monarch Bank senior management. William Morrison, Monarch Mortgage CEO, previously served as a chief credit officer for a local community bank

Investment risk oversight of Raymond James Financial Services

Other than credit risk our banking risk includes interest rate risk, which we manage through an active Asset/Liability Management Committee

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Interest Rate Risk – Positioned for Rising Rates

IR Gap Calculated from CALL Report data for Monarch Bank, Asset repricing compared to liability repricing, next 12 months.

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Why Invest in Monarch?

High performing, diversified financial services company

Attractive franchise in 36th Largest MSA in Country

Experienced management team with scalable structure for growth Appetite for growth in all lines of business Conservative underwriting culture / strong asset quality

Significant mortgage operations with focus on growing additional non-interest income lines of business

Outperform peers through disciplined growth and risk management

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Peer Group for Specific Peer Charts

Source of Peer Group Metrics: Briden Bankers Caddy

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Thank You

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