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Community Heritage Financial, Inc. reports company developments as the OTC-traded parent of Middletown Valley Bank. The bank provides personal and business banking services and residential mortgage lending through its MVB Home Loans division, serving markets in Maryland and Pennsylvania.
Recurring news for CMHF centers on quarterly and annual earnings, asset and deposit growth, Federal Home Loan Bank advances, mortgage banking revenue, bank-owned life insurance results, card and merchant services income, common-stock dividends, and executive or risk-management leadership changes.
Community Heritage Financial (OTC: CMHF), parent of Middletown Valley Bank, reported a Q2 2026 net loss of $1.1 million, or ($0.37) per diluted share, driven by a $5.4 million pre-tax loss on a strategic sale of $77.3 million in lower-yield securities (2.73% average yield). According to the company, the proceeds of $68.3 million are being reinvested at an estimated 5.10% tax‑equivalent yield, with $57.0 million already deployed by June 30, 2026.
On an adjusted non-GAAP basis, Q2 2026 net income was $3.0 million, or $1.02 per diluted share, and six‑month 2026 adjusted net income rose 34.9% to $5.9 million ($1.98 per diluted share). Net interest income increased to $10.6 million, and net interest margin improved to 3.78% as asset yields rose and funding costs declined.
Total assets reached $1.2 billion, with loans up 11.6% year over year to $973.5 million and deposits up $99.8 million since June 30, 2025, helped by a Q2 deposit campaign. Asset quality remained strong, with nonperforming assets at 0.10% of total assets and negligible net charge‑offs. Capital ratios declined modestly due to the securities loss and balance sheet growth, but the bank remained well capitalized, with an estimated CET1 ratio of 11.72% and total risk‑based capital ratio of 12.89%. The board declared a $0.08 per share dividend, payable August 7, 2026, to shareholders of record on July 31, 2026.
Community Heritage Financial (OTCID: CMHF) announced its Board of Directors has declared a quarterly cash dividend of $0.08 per share on its common stock for the second quarter of 2026. The dividend will be paid on August 7, 2026 to shareholders of record as of July 31, 2026, according to the company.
Community Heritage Financial (OTC: CMHF) sold $73.3 million of lower-yielding securities with a 2.73% average yield, realizing an estimated after-tax loss of $3.9 million. Proceeds will fund $68.0 million of available-for-sale securities with an estimated 5.10% tax-equivalent yield.
According to the company, the move is expected to add about $1.1 million to annualized net income, improve net interest margin by 13 basis points, and earn back the loss in 3.6 years. Shareholders’ equity will decline $4.8 million, with tangible book value down $1.64 per share.
Community Heritage Financial (OTCID: CMHF) reported Q1 2026 net income of $2.9M, or $0.97 diluted share, up 51.5% year-over-year and up 20.4% versus Q4 2025. Total assets $1.15B, loans $947.9M, net interest income $10.0M, and NIM of 3.62%. The board declared a $0.08 per-share dividend payable May 8, 2026.
Deposit and FHLB advances funded balance sheet growth; ACL to loans was 1.02% with a $748k charge-off recorded in Q1.
Community Heritage Financial (OTCID: CMHF) declared a quarterly cash dividend of $0.08 per share. The dividend is payable on May 8, 2026 to shareholders of record on May 1, 2026.
Community Heritage Financial is the parent company of Middletown Valley Bank, founded in 1908, serving counties in Maryland and Franklin County, Pennsylvania.
Community Heritage Financial (OTC PK: CMHF) reported record 2025 results with net income $8.7M and EPS $2.93, a 30.6% increase vs. 2024. Total assets reached $1.1B, up $108.7M year-over-year, funded by deposits up $76.8M and borrowings up $18.0M. Gross loans grew to $927.2M (+9.9%), led by construction, residential, and commercial loan growth. Net interest income rose to $36.0M with NIM improving to 3.42% and cost of funds down to 2.07%. The allowance for credit losses to loans was 1.06% after a $750k specific reserve related to a single commercial loan; provision increased to $1.5M. The Board declared a $0.08 per-share dividend payable Feb 6, 2026.
Community Heritage Financial (OTCPK: CMHF) announced a quarterly cash dividend of $0.08 per share for fourth quarter 2025. The Board declared the dividend payable on February 6, 2026 to shareholders of record on January 30, 2026. Community Heritage Financial is the parent company of Middletown Valley Bank (MVB), which provides personal and business banking and residential mortgage lending through MVB Home Loans. Founded in 1908, MVB serves customers in Frederick, Washington, and Garrett counties in Maryland and Franklin County, Pennsylvania.
Investor relations contact: Robert E. (BJ) Goetz, Jr., President & CEO.
Community Heritage Financial (OTCPK: CMHF) announced an executive leadership transition effective April 1, 2026. Michael Hill will retire and be succeeded as Executive Vice President, Chief Risk Officer by Brenda McComas, who brings extensive risk management and compliance experience. Cody Hill, currently Senior Vice President and Director of Retail Banking, will become Executive Vice President, Chief Operating Officer, succeeding McComas.
The company described the moves as part of a long-term strategy to align functions, streamline leadership roles, and maintain service to customers and communities. Contact and subsidiary information for Middletown Valley Bank and Millennium Financial Group is provided for investor inquiries.
Community Heritage Financial (OTC PK: CMHF) reported Q3 2025 net income $1.9M or $0.66 diluted, down 21.6% vs Q2 2025 and down 5.5% vs Q3 2024. YTD net income through Sept 30, 2025 was $6.3M or $2.13 per share, up 28.4% vs prior year. The Bank took a $750K specific reserve tied to a single commercial credit; Q3 provision for credit losses rose to $961K (YTD $1.4M).
Balance sheet: $1.092B assets, loans $899.8M (net $890.1M), loans +6.2% YoY, deposits +5.3% YoY. NIM improved to 3.40%. Board declared a $0.08 per-share dividend payable Nov 7, 2025.
Community Heritage Financial (OTCPK: CMHF) announced a quarterly cash dividend of $0.08 per share. The Board declared the dividend payable on November 7, 2025 to shareholders of record on October 31, 2025.
Community Heritage Financial is the parent company of Middletown Valley Bank, which offers personal and business banking and mortgage lending through its subsidiary Millennium Financial Services (Mlend). The bank operates in Frederick, Washington and Garrett counties in Maryland and Franklin County in Pennsylvania.