Every 10-Q that MUNCY COLUMBIA FNCL (CCFN) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow CCFN and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full CCFN filings page.
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.
Muncy Columbia Financial Corporation reported stronger quarterly results, with net income of $7.2M for the three months ended March 31, 2026, up from $4.3M a year earlier. Earnings per share were $2.02 versus $1.23, as higher net interest income and lower non-interest expenses supported profitability.
Total assets reached $1.72B, slightly above year-end 2025, driven by growth in cash, available-for-sale securities, and loans. Deposits increased to $1.45B, while the allowance for credit losses remained stable at $10.0M, or 0.84% of total loans.
Subsequent to quarter-end, the company approved a three-for-one stock split via a 200% stock dividend and sold $7.6M of mortgage-backed securities at a realized pretax loss of about $973K. It also fully prepaid $41.0M of long-term FHLB borrowings, incurring modest penalties and accelerating fair value adjustments.
Muncy Columbia Financial Corporation reported stronger quarterly results for the three months ended September 30, 2025. Net income was $6.7M versus $5.1M a year ago, and EPS rose to $1.90 from $1.42. Net interest income increased to $15.7M from $12.8M as interest expense declined year over year. The provision for credit losses was $0.48M, up from $0.15M.
Total assets reached $1.655B (from $1.596B at December 31, 2024) on higher cash and loan balances. Loans, net were $1.159B and deposits totaled $1.397B, up from $1.292B at year-end. Noninterest expense was $10.0M, modestly above last year’s $9.4M.
Credit quality metrics mixed: nonperforming loans were $15.5M versus $10.0M at December 31, 2024, while the allowance for credit losses increased to $10.5M. Management noted the ACL-to-total loans ratio rose from 0.88% to 0.90%. Shares outstanding were 3,535,977 as of November 7, 2025.