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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
November
10, 2026
Date of Report (Date of earliest event reported)
MUNCY COLUMBIA FINANCIAL CORPORATION
(Exact name of registrant as specified in its charter)
| Pennsylvania |
000-19028 |
23-2254643 |
(State or other jurisdiction of
incorporation) |
(Commission File
Number) |
(I.R.S. Employer
Identification No.) |
1199 Lightstreet Road
Bloomsburg, PA 17815
(Address of principal executive offices)
570-784-4400
(Registrant’s telephone number, including area
code)
N/A
(Former name or former address, if changed since last
report.)
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:
☐
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4 (c))
Securities registered pursuant to Section 12(b) of the Exchange Act:
| Title of each class |
Trading Symbol(s) |
Name of each exchange on which registered |
| None |
None |
None |
Indicated by check mark whether the registrant is an emerging growth company
as defined in Rule 405 of the Securities Act of 1933 (17 CFR 230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR 240.12b-2)
☐
If an emerging growth company, indicate by check mark if registrant has
elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant
to Section 13(a) of the Exchange Act ☐
ITEM 8.01 OTHER EVENTS
On November 10, 2026, Muncy Columbia Financial Corporation issued a
press release titled “Muncy Columbia Financial Corporation Declares Dividend” attached as Exhibit 99.1 to this Current Report
on Form 8-K and incorporated herein by reference.
ITEM 9.01 FINANCIAL STATEMENTS AND EXHIBITS
(a) Not applicable
(b) Not applicable
(c) Not applicable
(d) Exhibits.
| Exhibit Number |
Description |
| |
|
| 99.1 |
Press Release issued by Muncy Columbia Financial Corporation on November
10, 2026 titled “Muncy Columbia Financial Corporation Declares Dividend” |
| |
|
| 104 |
Cover Page Interactive Data File (embedded in the cover page formatted in Inline XBRL) |
SIGNATURE
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.
| Date: November 10 2026 |
Muncy Columbia Financial Corporation |
| |
|
|
| |
|
|
| |
By: |
/s/ Joseph K. O’Neill, Jr. |
| |
Name: |
Joseph K. O’Neill, Jr. |
| |
Title: |
Executive Vice President and Chief Financial Officer |
Exhibit 99.1
Press Release – For Immediate Release
November 10, 2026
Muncy Columbia Financial Corporation Declares
Dividend
Bloomsburg, PA – Muncy Columbia Financial Corporation (“Corporation”)
(OTCQX: CCFN), parent company of Journey Bank (“Bank”), announced that on November 10, 2026, the Corporation’s Board
of Directors declared a regular quarterly cash dividend.
Dividend Declared
On November 10, 2026, the Corporation’s Board of Directors declared
a regular quarterly cash dividend of $0.165 per share for the fourth quarter of 2026, which reflects an increase of $0.010 per share from
$0.155 per share for the third quarter of 2026. The dividend is payable on December 10, 2026, to shareholders of record as of November
24, 2026.
About Muncy Columbia Financial Corporation
Muncy Columbia Financial Corporation ("MCFC")
is a registered financial holding company headquartered in Bloomsburg, Pennsylvania. MCFC has one subsidiary bank, Journey Bank, serving
individuals, families, nonprofits and business clients throughout Clinton, Columbia, Luzerne, Lycoming, Montour, Northumberland and Sullivan
Counties through 22 banking offices.
Cautionary Note Regarding Forward Looking
Statements
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 “anticipates,” “believes,” “estimates,”
“expects,” “forecasts,” “intends,” “plans,” “projects,” “may,”
“will,” “should,” 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 “Risk Factors” 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.
