MUNCY COLUMBIA FINANCIAL Corp (CCFN) Form 8-K — Oct 19, 2026
Muncy Columbia Financial Corporation (OTCQX: CCFN), parent of Journey Bank, reported Q3 2026 net income of $6.04 million, or $0.57 per share, down from $6.72 million, or $0.63 per share, a year earlier. The decline came from a $2.4 million realized loss on the sale of low-yielding available-for-sale securities as part of a balance sheet repositioning, plus a higher $942,000 provision for credit losses. Underlying trends were strong: net interest income rose $1.98 million year-over-year and the fully tax-equivalent net interest margin expanded to 4.54% from 4.15%, which management expects to drive improved future earnings.
Key figures
- Eps
- 0.57
- Eps Beat
- 0
- Net Income
- 6043000
- Total Assets
- 1688153000
- Nine Month Eps
- 1.92
- Total Deposits
- 1471839000
- Prior Year Q3 Eps
- 0.63
- Book Value Per Share
- 18.18
- Net Interest Income
- 17633000
- Nine Month Net Income
- 20354000
- Provision Prior Year
- 479000
- Q3 Dividend Per Share
- 0.155
- Equity To Assets Ratio
- 11.43%
- Net Interest Margin Fte
- 4.54% vs 4.15% year-ago
- Prior Year Q3 Net Income
- 6719000
- Return On Average Assets
- 1.42%
- Return On Average Equity
- 11.97%
- Reverse Or Forward Split
- three-for-one stock split effective May 15, 2026
- Non Performing Assets Ratio
- 0.67%
- Provision For Credit Losses
- 942000
- Net Interest Income Prior Year
- 15651000
- Nine Month Prior Year Net Income
- 16832000
- Realized Loss On Afs Securities
- 2404000
AI analysis
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