MUNCY COLUMBIA FINANCIAL Corp (CCFN) Form 10-Q — Aug 7, 2026
Muncy Columbia Financial Corporation reported Q2 2026 net income of $7.2 million, or $0.67 per share, up from $5.8 million, or $0.54 per share, a year earlier, with six-month net income of $14.3 million versus $10.1 million. The improvement was driven primarily by a 13.2% year-over-year increase in quarterly net interest income to $16.8 million. The balance sheet strengthened alongside earnings: net interest margin expanded 33 basis points to 4.37%, return on average assets reached 1.70%, and gross loans grew 2.4% to $1.206 billion while the company prepaid all $40.6 million of long-term FHLB borrowings, leaving long-term debt at zero.
Key figures
- Eps
- $0.67 Q2 2026 vs $0.54 Q2 2025; $1.35 six months 2026 vs $0.95 (split-adjusted)
- Net Income
- $7.155 million Q2 2026 vs $5.768 million Q2 2025; $14.311 million six months 2026 vs $10.113 million
- Total Debt
- Short-term borrowings $24.3 million; long-term borrowings $0 after full prepayment of $40.6 million of FHLB advances
- Total Assets
- $1.672 billion at June 30, 2026
- Cash Position
- $20.144 million at June 30, 2026 (down from $48.540 million at December 31, 2025)
- Shares Outstanding
- 10614047
- Gross loans
- $1.206 billion (+2.4% from December 31, 2025)
- Fhlb prepayment
- $40.6 million prepaid (weighted-average rate 3.96%, ~$49,000 penalty, ~$313,000 pretax unamortized fair value adjustment recognized)
- Stock split ratio
- 3-for-1 (effective May 15, 2026)
- Loan to deposit ratio
- 83.4%
- Q2 dividend per share
- $0.155
- Fhlb available capacity
- $557.4 million
- Total stockholders equity
- $198.7 million (+3.2% YTD)
- Allowance for credit losses
- $10.3 million (0.85% of total loans)
- Net interest income q2 2026
- $16.8 million (+13.2% YoY)
- Net interest margin q2 2026
- 4.37% (+33 bps YoY)
- Buyback authorization shares
- 530611
- Commercial real estate loans
- $435.7 million (36.1% of gross loans)
- Delinquent loan portfolio sold
- ~$9.8 million (82 loans, agreement January 28, 2026)
- Return on average assets q2 2026
- 1.70%
- Return on average equity q2 2026
- 14.65%
- Net interest income six months 2026
- $33.2 million (+15.8% YoY)
AI analysis
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