{"id":10569,"date":"2026-04-20T15:50:55","date_gmt":"2026-04-20T15:50:55","guid":{"rendered":"https:\/\/globalnewstoday.uk\/index.php\/2026\/04\/20\/muncy-columbia-posts-7-2m-profit-as-deposits-grow-by-40-8m-stock-titan\/"},"modified":"2026-04-20T15:50:55","modified_gmt":"2026-04-20T15:50:55","slug":"muncy-columbia-posts-7-2m-profit-as-deposits-grow-by-40-8m-stock-titan","status":"publish","type":"post","link":"https:\/\/globalnewstoday.uk\/index.php\/2026\/04\/20\/muncy-columbia-posts-7-2m-profit-as-deposits-grow-by-40-8m-stock-titan\/","title":{"rendered":"Muncy Columbia posts $7.2M profit as deposits grow by $40.8M – Stock Titan"},"content":{"rendered":"

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BLOOMSBURG, Pa.<\/location>–(BUSINESS WIRE)– Muncy Columbia Financial Corporation (\u201cCorporation\u201d) (OTCQX: CCFN<\/a>), parent company of Journey Bank (\u201cBank\u201d), has released its unaudited consolidated financial results for the first quarter of 2026.
Unaudited Financial Information<\/b>
Net income, as reported under accounting principles generally accepted in the United States of America<\/location> (\u201cGAAP\u201d), for the first quarter 2026 was $7,156,000<\/money><\/money>, or $2.02<\/money><\/money> per share, compared to $4,345,000<\/money><\/money>, or $1.23<\/money><\/money> per share, for the first quarter 2025. Return on average assets and return on average equity were 1.72%<\/percent> and 14.83%<\/percent>, respectively, for the first quarter 2026 as compared to 1.10%<\/percent> and 10.33%<\/percent>, respectively, for the first quarter 2025.
Net interest income of $16,443,000<\/money><\/money> for the first quarter 2026 increased $2,575,000<\/money><\/money> from the first quarter 2025 reflecting an increase in total interest and dividend income of $2,060,000<\/money><\/money> and a decrease of $515,000<\/money><\/money> in total interest expense. The fully-tax equivalent net interest margin was 4.33%<\/percent> for the first quarter 2026 as compared to 3.83%<\/percent> for the first quarter 2025.
For the first quarter 2026, a $69,000<\/money><\/money> provision for credit losses was recorded compared to a $110,000<\/money><\/money> provision for the first quarter 2025. As of March 31, 2026, the allowance for credit losses to total loans was 0.84%<\/percent> compared to 0.85%<\/percent> as of December 31, 2025.
Total non-interest income increased $45,000<\/money><\/money> to $2,490,000<\/money><\/money> for the first quarter 2026, compared to the first quarter 2025 amount of $2,445,000<\/money><\/money>. For the first quarter 2026, a $637,000<\/money><\/money> loss on sale of loans was recorded, compared to a gain on sale of loans of $83,000<\/money><\/money> for the first quarter 2025. On January 28, 2026, the Bank entered into an Asset Purchase and Interim Servicing Agreement pursuant to which the Bank agreed to sell a portfolio of 82 individual delinquent, nonperforming or reperforming 1-4 family residential mortgage loans. The purchase price was approximately $9.1 million<\/money><\/money> and was paid in cash. The outstanding principal balance of the loans was approximately $9.8 million<\/money><\/money>. The resulting pretax loss of $714,000<\/money><\/money> was recognized during the first quarter 2026. This loss was partially offset by ongoing gains on sale of loans of $77,000<\/money><\/money> recognized during the first quarter 2026. Other significant variances in total non-interest income included an increase in gains (losses) on marketable equity securities of $113,000<\/money><\/money> due to market value changes comparing the first quarter 2026 to the first quarter 2025 and an increase in other non-interest income of $580,000<\/money><\/money> due primarily to a sales tax refund received from the Commonwealth of Pennsylvania<\/location> of $454,000<\/money><\/money> during the first quarter 2026 resulting from a state sales and use tax review engagement.
Total non-interest expense decreased $894,000<\/money><\/money> from $11,091,000<\/money><\/money> for the first quarter 2025, to $10,197,000<\/money><\/money> for the first quarter 2026. Salaries and employee benefits expense of $5,333,000<\/money><\/money> for the first quarter 2026 decreased $987,000<\/money><\/money> from $6,320,000<\/money><\/money> for the first quarter 2025. The Corporation recorded one-time pretax expenses totaling $1,295,000<\/money><\/money> in conjunction with the retirement of its Executive Chairman during the first quarter 2025. This decrease was partially offset by health insurance expenses associated with the Corporation\u2019s partially self-funded health insurance plan which were $165,000<\/money><\/money> higher in the first quarter 2026 than the first quarter 2025 along with ongoing salary and wage increases for employees. Other significant variances in total non-interest expense included an increase in professional fees of $196,000<\/money><\/money> due primarily to fees paid in conjunction with the sales and use tax review engagement noted above and a decrease in automated teller machine and interchange expenses of $102,000<\/money><\/money> due primarily to lower automated teller machine processing expenses comparing the first quarter 2026 to the first quarter 2025.
Total assets amounted to $1,717,328,000<\/money><\/money> at March 31, 2026, as compared to $1,673,199,000<\/money><\/money> at December 31, 2025. For the quarter ended March 31, 2026, cash and cash equivalents increased $11,897,000<\/money><\/money>, available-for-sale debt securities increased $27,948,000<\/money><\/money> and loans receivable held for investment increased by $3,938,000<\/money><\/money>. Total liabilities amounted to $1,525,270,000<\/money><\/money> at March 31, 2026, as compared to $1,480,658,000<\/money><\/money> at December 31, 2025. Total deposits increased $40,816,000<\/money><\/money> during the quarter ended March 31, 2026, representing strong organic deposit growth. Dividends payable at March 31, 2026, reflect the Corporation\u2019s special one-time cash dividend of $1.00<\/money><\/money> per share which was declared on February 18, 2026, and is payable on April 23, 2026, to shareholders of record as of April 8, 2026.
Total non-performing assets amounted to $9,360,000<\/money><\/money> or 0.55%<\/percent> of total assets at March 31, 2026, as compared to $11,978,000<\/money><\/money> or 0.72%<\/percent> of total assets at December 31, 2025. The decrease in non-performing assets was primarily attributable to a decrease in non-accrual loans from $11,523,000<\/money><\/money> at December 31, 2025, to $9,095,000<\/money><\/money> at March 31, 2026. The decrease in non-accrual loans during the first quarter 2026 was largely driven by the loan sale noted above.
Total stockholders\u2019 equity equated to a book value per share of $54.29<\/money><\/money> at March 31, 2026, as compared with $54.44<\/money><\/money> at December 31, 2025. For the first quarter 2026 total cash dividends of $1.46<\/money><\/money> per share were declared, which includes the impact of a special one-time cash dividend of $1.00<\/money><\/money> per share, as compared to $0.45<\/money><\/money> for the same period of 2025. The Corporation remains well capitalized, with an equity to assets ratio of 11.18%<\/percent> at March 31, 2026, as compared to 11.51%<\/percent> at December 31, 2025.
About Muncy Columbia Financial Corporation<\/b>
Muncy Columbia Financial Corporation (\u201cMCFC\u201d) is a registered financial holding company headquartered in Bloomsburg, Pennsylvania<\/location>. MCFC has one subsidiary bank, Journey Bank, serving individuals, families, nonprofits and business clients throughout Clinton<\/location>, Columbia<\/location>, Luzerne<\/location>, Lycoming<\/location>, Montour<\/location>, Northumberland<\/location> and Sullivan<\/location> Counties through 22 banking offices.
Cautionary Note Regarding Forward Looking Statements<\/b>
This press release contains forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. Forward-looking statements are not statements of current or historical fact and involve substantial risks and uncertainties. Words such as \u201canticipates,\u201d \u201cbelieves,\u201d \u201cestimates,\u201d \u201cexpects,\u201d \u201cforecasts,\u201d \u201cintends,\u201d \u201cplans,\u201d \u201cprojects,\u201d \u201cmay,\u201d \u201cwill,\u201d \u201cshould,\u201d and other similar expressions can be used to identify forward-looking statements. Such statements are subject to factors that could cause actual results to differ materially from anticipated results. Among the risks and uncertainties that could cause actual results to differ from those described in the forward-looking statements include, but are not limited to the following: changes in general economic trends, including inflation and changes in interest rates; our ability to manage credit risk; our ability to maintain an adequate level of allowance for credit loss on loans; increased competition; changes in consumer demand for financial services; our ability to control costs and expenses; fluctuations in the values of securities held in our securities portfolio, including as a result of changes in interest rates; our ability to successfully manage liquidity risk; adverse developments in borrower industries and, in particular, declines in real estate values; the concentration of large deposits from certain customers who have balances above current FDIC insurance limits; changes in and compliance with federal and state laws that regulate our business and capital levels; our ability to raise capital as needed; and any other risks described in the \u201cRisk Factors\u201d sections of reports filed by the Corporation with the Securities and Exchange Commission. We do not undertake, and specifically disclaim, any obligation to publicly revise any forward-looking statements to reflect the occurrence of anticipated or unanticipated events or circumstances after the date of such statements, except as required by law. Accordingly, you should not place undue reliance on forward-looking statements.
$
13,529
\u00a0
$
12,828
\u00a0
\u00a0
46,908
\u00a0
\u00a0
35,712
\u00a0
\u00a0
60,437
\u00a0
\u00a0
48,540
\u00a0
\u00a0
355,193
\u00a0
\u00a0
327,245
\u00a0
\u00a0
1,490
\u00a0
\u00a0
1,411
\u00a0
\u00a0
5,319
\u00a0
\u00a0
5,412
\u00a0
\u00a0
966
\u00a0
\u00a0
847
\u00a0
\u00a0
1,181,519
\u00a0
\u00a0
1,177,581
\u00a0
\u00a0
(9,968
)
\u00a0
(9,959
)
\u00a0
1,171,551
\u00a0
\u00a0
1,167,622
\u00a0
\u00a0
25,991
\u00a0
\u00a0
26,263
\u00a0
\u00a0
265
\u00a0
\u00a0
320
\u00a0
\u00a0
5,331
\u00a0
\u00a0
5,063
\u00a0
\u00a0
41,992
\u00a0
\u00a0
41,740
\u00a0
\u00a0
4,159
\u00a0
\u00a0
4,346
\u00a0
\u00a0
6,328
\u00a0
\u00a0
5,992
\u00a0
\u00a0
25,609
\u00a0
\u00a0
25,609
\u00a0
\u00a0
7,588
\u00a0
\u00a0
8,042
\u00a0
\u00a0
5,109
\u00a0
\u00a0
4,747
\u00a0
$
1,717,328
\u00a0
$
1,673,199
\u00a0
$
1,170,358
\u00a0
$
1,135,740
\u00a0
\u00a0
283,210
\u00a0
\u00a0
277,012
\u00a0
\u00a0
1,453,568
\u00a0
\u00a0
1,412,752
\u00a0
\u00a0
10,654
\u00a0
\u00a0
12,455
\u00a0
\u00a0
40,649
\u00a0
\u00a0
40,584
\u00a0
\u00a0
3,537
\u00a0
\u00a0
–
\u00a0
\u00a0
1,719
\u00a0
\u00a0
1,644
\u00a0
\u00a0
15,143
\u00a0
\u00a0
13,223
\u00a0
\u00a0
1,525,270
\u00a0
\u00a0
1,480,658
\u00a0
\u00a0
4,808
\u00a0
\u00a0
4,807
\u00a0
\u00a0
83,756
\u00a0
\u00a0
83,720
\u00a0
\u00a0
121,355
\u00a0
\u00a0
119,364
\u00a0
\u00a0
(6,554
)
\u00a0
(4,043
)
\u00a0
(11,307
)
\u00a0
(11,307
)
\u00a0
192,058
\u00a0
\u00a0
192,541
\u00a0
$
1,717,328
\u00a0
$
1,673,199
\u00a0
\u00a0
2026<\/b>
\u00a0
\u00a0
2025<\/b>
\u00a0
$
19,345
\u00a0
$
18,284
\u00a0
\u00a0
413
\u00a0
\u00a0
398
\u00a0
\u00a0
1,833
\u00a0
\u00a0
1,097
\u00a0
\u00a0
870
\u00a0
\u00a0
860
\u00a0
\u00a0
136
\u00a0
\u00a0
168
\u00a0
\u00a0
304
\u00a0
\u00a0
34
\u00a0
\u00a0
22,901
\u00a0
\u00a0
20,841
\u00a0
\u00a0
5,893
\u00a0
\u00a0
5,801
\u00a0
\u00a0
95
\u00a0
\u00a0
543
\u00a0
\u00a0
470
\u00a0
\u00a0
629
\u00a0
\u00a0
6,458
\u00a0
\u00a0
6,973
\u00a0
\u00a0
16,443
\u00a0
\u00a0
13,868
\u00a0
\u00a0
69
\u00a0
\u00a0
110
\u00a0
\u00a0
16,374
\u00a0
\u00a0
13,758
\u00a0
\u00a0
753
\u00a0
\u00a0
722
\u00a0
\u00a0
617
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623
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(637
)
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83
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232
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\u00a0
231
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238
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233
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279
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238
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79
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(34
)
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929
\u00a0
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349
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\u00a0
2,490
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\u00a0
2,445
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\u00a0
5,333
\u00a0
\u00a0
6,320
\u00a0
\u00a0
734
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\u00a0
720
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\u00a0
379
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426
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375
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301
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644
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448
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167
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153
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195
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218
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162
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510
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875
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892
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\u00a0
10,197
\u00a0
\u00a0
11,091
\u00a0
\u00a0
8,667
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\u00a0
5,112
\u00a0
\u00a0
1,511
\u00a0
\u00a0
767
\u00a0
$
7,156
\u00a0
$
4,345
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$
2.02
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$
1.23
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\u00a0
3,536,761
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\u00a0
3,532,727
\u00a0
$
7,156
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$
7,393
\u00a0
$
6,719
\u00a0
$
5,768
\u00a0
$
4,345
\u00a0
\u00a0
16,443
\u00a0
\u00a0
16,272
\u00a0
\u00a0
15,651
\u00a0
\u00a0
14,808
\u00a0
\u00a0
13,868
\u00a0
\u00a0
69
\u00a0
\u00a0
(4
)
\u00a0
479
\u00a0
\u00a0
254
\u00a0
\u00a0
110
\u00a0
\u00a0
2,490
\u00a0
\u00a0
2,789
\u00a0
\u00a0
2,892
\u00a0
\u00a0
2,237
\u00a0
\u00a0
2,445
\u00a0
\u00a0
10,197
\u00a0
\u00a0
10,095
\u00a0
\u00a0
9,978
\u00a0
\u00a0
9,856
\u00a0
\u00a0
11,091
\u00a0
$
1,717,328
\u00a0
$
1,673,199
\u00a0
$
1,654,950
\u00a0
$
1,616,215
\u00a0
$
1,602,336
\u00a0
\u00a0
1,172,517
\u00a0
\u00a0
1,168,469
\u00a0
\u00a0
1,160,829
\u00a0
\u00a0
1,149,624
\u00a0
\u00a0
1,135,981
\u00a0
\u00a0
33,197
\u00a0
\u00a0
33,651
\u00a0
\u00a0
34,142
\u00a0
\u00a0
34,653
\u00a0
\u00a0
35,164
\u00a0
$
283,210
\u00a0
$
277,012
\u00a0
$
272,376
\u00a0
$
272,680
\u00a0
$
273,783
\u00a0
\u00a0
196,828
\u00a0
\u00a0
192,311
\u00a0
\u00a0
192,903
\u00a0
\u00a0
194,816
\u00a0
\u00a0
195,748
\u00a0
\u00a0
451,699
\u00a0
\u00a0
461,367
\u00a0
\u00a0
456,661
\u00a0
\u00a0
422,415
\u00a0
\u00a0
406,330
\u00a0
\u00a0
127,633
\u00a0
\u00a0
104,726
\u00a0
\u00a0
107,853
\u00a0
\u00a0
104,677
\u00a0
\u00a0
103,759
\u00a0
\u00a0
394,198
\u00a0
\u00a0
377,336
\u00a0
\u00a0
367,097
\u00a0
\u00a0
366,475
\u00a0
\u00a0
359,015
\u00a0
\u00a0
1,170,358
\u00a0
\u00a0
1,135,740
\u00a0
\u00a0
1,124,514
\u00a0
\u00a0
1,088,383
\u00a0
\u00a0
1,064,852
\u00a0
\u00a0
1,059,370
\u00a0
\u00a0
1,035,416
\u00a0
\u00a0
1,029,793
\u00a0
\u00a0
994,588
\u00a0
\u00a0
979,620
\u00a0
\u00a0
4.33
%
\u00a0
4.27
%
\u00a0
4.15
%
\u00a0
4.04
%
\u00a0
3.83
%
\u00a0
1.72
%
\u00a0
1.77
%
\u00a0
1.63
%
\u00a0
1.44
%
\u00a0
1.10
%
\u00a0
14.83
%
\u00a0
15.49
%
\u00a0
14.81
%
\u00a0
13.33
%
\u00a0
10.33
%
\u00a0
15.87
%
\u00a0
15.92
%
\u00a0
15.69
%
\u00a0
15.33
%
\u00a0
15.13
%
\u00a0
15.87
%
\u00a0
15.92
%
\u00a0
15.69
%
\u00a0
15.33
%
\u00a0
15.13
%
\u00a0
16.81
%
\u00a0
16.87
%
\u00a0
16.70
%
\u00a0
16.33
%
\u00a0
16.13
%
\u00a0
9.89
%
\u00a0
9.93
%
\u00a0
9.62
%
\u00a0
9.43
%
\u00a0
9.30
%
$
9,360
\u00a0
$
11,978
\u00a0
$
15,536
\u00a0
$
13,844
\u00a0
$
12,300
\u00a0
\u00a0
9,968
\u00a0
\u00a0
9,959
\u00a0
\u00a0
10,548
\u00a0
\u00a0
10,167
\u00a0
\u00a0
9,985
\u00a0
\u00a0
0.84
%
\u00a0
0.85
%
\u00a0
0.90
%
\u00a0
0.88
%
\u00a0
0.87
%
\u00a0
0.55
%
\u00a0
0.72
%
\u00a0
0.94
%
\u00a0
0.86
%
\u00a0
0.77
%
$
2.02
\u00a0
$
2.09
\u00a0
$
1.90
\u00a0
$
1.63
\u00a0
$
1.23
\u00a0
\u00a0
1.46
\u00a0
\u00a0
0.45
\u00a0
\u00a0
0.45
\u00a0
\u00a0
0.95
\u00a0
\u00a0
0.45
\u00a0
\u00a0
54.29
\u00a0
\u00a0
54.44
\u00a0
\u00a0
52.17
\u00a0
\u00a0
49.87
\u00a0
\u00a0
48.50
\u00a0
$
65.90
\u00a0
$
47.81
\u00a0
$
49.36
\u00a0
$
47.25
\u00a0
$
40.25
\u00a0
\u00a0
70.72
\u00a0
\u00a0
59.54
\u00a0
\u00a0
50.00
\u00a0
\u00a0
49.05
\u00a0
\u00a0
42.00
\u00a0
\u00a0
3,536,761
\u00a0
\u00a0
3,535,985
\u00a0
\u00a0
3,535,009
\u00a0
\u00a0
3,533,977
\u00a0
\u00a0
3,532,727
\u00a0
\u00a0
\"\"
View source version on businesswire.com: <\/span>https:\/\/www.businesswire.com\/news\/home\/20260420844362\/en\/<\/a><\/span>
Investor Relations
570.784.4400
investorrelations@journeybank.com<\/a>
Source: Muncy Columbia Financial Corporation
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