Journey Bank
Bloomsburg, PA · Cert 686 · Peer group: banks $1B-$10B in assets (n=322-328) · Muncy Columbia Financial Corp.
State charter, non-member · FDIC · 23 branches
Q2 2026
$1.7BAssets
$1.2BLoans
$1.4BDeposits
$194.4MEquity
Executive Summary
- Strongest standing: return on assets outperforms 83% of banks $1B-$10B in assets (rank 57 of 328).
- Widest gap: nonperforming loans / loans trails 63% of banks $1B-$10B in assets (rank 205 of 322).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.71%
Rank 57 of 328
Net Interest Margin
4.00%
Rank 57 of 328
Efficiency Ratio
51.74%
Rank 86 of 328
Equity / Assets
11.65%
Rank 95 of 328
Non-interest income vs. expense
Unfavorable gap of $28.3M · efficiency ratio beats 74% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.71% | 0.91% | 1.22% | 1.52% | Beats 83% | 57 / 328 | |
| Return on Equity | 14.67% | 8.43% | 11.45% | 14.43% | Beats 78% | 71 / 328 | |
| Net Interest Margin | 4.00% | 3.03% | 3.45% | 3.83% | Beats 83% | 57 / 328 | |
| Efficiency Ratio | 51.74% | 51.61% | 59.56% | 67.53% | Beats 74% | 86 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.74% | 0.24% | 0.51% | 1.03% | Beats 37% | 205 / 322 | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.03% | 0.10% | Beats 61% | 126 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 16.74% | 11.75% | 13.15% | 15.47% | Beats 83% | 56 / 328 | |
| Total Risk-Based Capital Ratio | 17.73% | 12.63% | 14.15% | 16.46% | Beats 83% | 57 / 328 | |
| Equity / Assets | 11.65% | 9.15% | 10.33% | 12.01% | Beats 71% | 95 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 84.20% | 76.63% | 87.92% | 95.36% | 42nd pctl | 188 / 323 | |
| Loans / Assets | 72.35% | 65.18% | 74.15% | 79.98% | 44th pctl | 185 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |