Muncy Columbia Financial Corporation (CCFN) reported GAAP net income of $6.043 million for third quarter 2026, compared with $6.719 million in third quarter 2025; diluted earnings per share were $0.57 versus $0.63. For the nine months ended September 30, net income was $20.354 million, compared with $16.832 million in 2025. Net interest income rose to $17.633 million from $15.651 million, and fully tax-equivalent net interest margin was 4.54% versus 4.15%.
Third-quarter provision for credit losses was $942,000, compared with $479,000. Non-interest income was $611,000, including $2.404 million in realized losses on available-for-sale debt securities. The Corporation said proceeds from securities sales were reinvested in higher-yielding securities; management expects the reinvestment to contribute to improved interest income and net interest margin in future periods, subject to changes in market interest rates, deposit costs, balance-sheet composition and other factors affecting net interest margin. At September 30, assets were $1.688 billion, and non-performing assets were $11.272 million, or 0.67% of assets. It declared a $0.155-per-share dividend for the quarter. All share and per-share amounts reflect the three-for-one stock split effective May 15, 2026.
MUNCY COLUMBIA FINANCIAL Corp (CCFN) director Robert J. Glunk reported open-market purchases of company common stock on September 10, 2026. He indirectly purchased a total of 80 shares at $28.90 per share, held as custodian. His directly held common stock position is reported at 81,063.032 shares after these transactions. No Rule 10b5-1 trading plan is reported for these purchases.
MUNCY COLUMBIA FINANCIAL Corp (CCFN) director Bonnie M. Tompkins reported selling 795 shares of common stock on August 31, 2026 in an open market or private transaction at $28.25 per share. The sold shares are held indirectly, "by spouse," leaving 11,979 shares in this indirect account and 58,001 shares held directly after the transactions. The filing’s Rule 10b5-1 checkbox is unchecked, so these transactions are not affirmed as made under a trading plan.
MUNCY COLUMBIA FINANCIAL Corp (CCFN) had a Form 4 filed by director Steven H. Shannon reporting an acquisition of common stock via a bona fide gift. On 2026-08-26, he received 2,307 common shares at a reported price of $0.00 per share, increasing his directly held position to 76,447.827 common shares.
MUNCY COLUMBIA FINANCIAL Corp (CCFN) executive Stephanie A. Oakes, EVP & CTOO, reported an open-market purchase of company common stock. On 2026-08-28, she bought 130 shares of common stock at $28.25 per share, bringing her directly owned holdings to 4,160.903 shares.
MUNCY COLUMBIA FINANCIAL Corp (CCFN) director Bonnie M. Tompkins reported a sale of 130 shares of common stock on 2026-08-28 at $28.25 per share, executed as indirect ownership by spouse. Following this transaction, indirect holdings were 12,774 shares and direct holdings were 58,001 shares.
MUNCY COLUMBIA FINANCIAL Corp (CCFN) director Willard H. Kile Jr. reported a small open-market sale of common stock. On 2026-08-24 he sold 0.885 shares at $28.11 per share. After this transaction, he directly holds 223,088.069 shares of CCFN common stock.
Muncy Columbia Financial Corporation common stock is held by several related investment entities advised by Fourthstone LLC. Fourthstone LLC, a Delaware registered investment adviser, directly holds 275,794 shares of common stock on behalf of advisory clients, representing 7.80% of the outstanding shares based on 3,537,409 shares outstanding as of May 8, 2026. Voting and dispositive power over these shares is reported as shared, with no sole voting or dispositive power. The reporting group, including Fourthstone Master Opportunity Fund Ltd., Fourthstone QP Opportunity Fund, Fourthstone Small-Cap Financials Fund, Fourthstone GP LLC, and L. Phillip Stone IV, states that the securities were acquired in the ordinary course of business and not for the purpose or effect of changing or influencing control of the issuer.
Muncy Columbia Financial Corporation declared a regular quarterly cash dividend for shareholders. On August 11, 2026, the Board of Directors approved a dividend of $0.155 per share for the third quarter of 2026. The dividend is payable on September 10, 2026 to shareholders of record as of August 25, 2026.
Muncy Columbia Financial Corporation is a registered financial holding company based in Bloomsburg, Pennsylvania. Through its subsidiary Journey Bank, it serves customers across several Pennsylvania counties via 22 banking offices. The company also includes a standard caution that its forward-looking statements are subject to various economic, credit, interest rate, regulatory, and operational risks.
Muncy Columbia Financial Corporation, parent of Journey Bank, reported stronger profitability while keeping its balance sheet roughly stable in the first half of 2026. Net income for the six months ended June 30, 2026 rose to $14.3 million, up from $10.1 million a year earlier, and earnings per share increased to $1.35 from $0.95. For the second quarter, net income was $7.2 million versus $5.8 million and EPS was $0.67 versus $0.54.
Net interest income for the six months increased to $33.2 million from $28.7 million, and non‑interest income included a $605,000 gain on settlement of bank‑owned life insurance claims, partly offset by $1.4 million of realized losses on available‑for‑sale debt securities. Total assets were $1.67 billion, essentially unchanged from year‑end, as cash and cash equivalents declined while loans grew.
Gross loans held for investment increased to $1.21 billion from $1.18 billion, and deposits rose to $1.43 billion from $1.41 billion. The allowance for credit losses was $10.3 million, with total nonperforming loans declining to $8.9 million, aided by the sale of a $9.8 million portfolio of delinquent residential mortgages. Long‑term Federal Home Loan Bank borrowings of $41.0 million were fully prepaid, while stockholders’ equity increased to $198.7 million. A three‑for‑one stock split in the form of a 200% stock dividend became effective May 15, 2026.