UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(D)

OF THE SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): November 18, 2013 (November 15, 2013)

Monarch Community Bancorp, Inc.

(Exact name of registrant as specified in its charter)

375 North Willowbrook Road, Coldwater, MI 49036

(Address of principal executive offices) (Zip Code)

(517) 278-4566

(Registrant’s telephone number, including area code)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

ITEM 3.02 Unregistered Sales of Equity Securities.

On November 15, 2013, the Company completed its offering of 8,250,000 shares of its newly issued common stock. The shares were issued at a purchase price of $2.00 per share, for aggregate consideration of $16.5 million. The closing of the offering occurred contemporaneous with the closing of the series of transactions between the Company and the Department of Treasury pursuant to which (i) the Department of Treasury exchanged 6,785 shares of the Company’s Fixed Rate Cumulative Perpetual Preferred Stock, Series A and a warrant to purchase up to 52,192.40 shares of the Company’s common stock for approximately 2,272,600 shares of Monarch’s common stock and (ii) third party purchasers, with the consent of Monarch, purchased approximately 2,272,600 shares of common stock from the Department of Treasury for a purchase price of $4,545,200. In addition to funding the Department of Treasury transaction, the proceeds of the offering will be used to pay the expenses of the offering, recapitalize the Company’s wholly-owned subsidiary, Monarch Community Bank and to support the ongoing growth of the bank. The Company reimbursed the placement agents for the offering for their fees and expenses, and the placement agents received additional aggregate consideration of approximately $883,000, or 5.35% of the proceeds of the offering.

The newly issued shares of common stock were issued only to accredited investors, and the issuance was completed in reliance on the exemption from registration contained in Section 4(a)(2) of the Securities Act of 1933, as amended, and the safe harbor provisions of Rule 506 of Regulation D promulgated thereunder.

ITEM 8.01 Other Events.

On November 15, 2013, the Company issued a press release announcing the completion of its offering of 8,250,000 shares of its newly issued common stock. The shares were issued at a purchase price of $2.00 per share, for aggregate consideration of $16.5 million.

A copy of the press release is attached as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated into this Item 8.01 by reference.

ITEM 9.01 Financial Statements and Exhibits

(d) Exhibits

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

EXHIBIT INDEX