Bloomsburg, PA · Cert 686 · Muncy Columbia Financial Corp.
State charter, non-member · FDIC · 23 branches
Q2 2026
Market Position · Williamsport, PA · 2026 SOD (annual) · 17.0% share · #2 of 10 inst. · $0.5B of $3.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.28% | 1.41% | 1.50% | 1.68% | 1.69% | +41 bps | |
| Return on Equity | 12.29% | 13.32% | 14.02% | 15.13% | 15.00% | +271 bps | |
| Net Interest Margin | 3.61% | 3.66% | 3.72% | 3.96% | 4.00% | +39 bps | |
| Efficiency Ratio | 58.20% | 55.43% | 54.05% | 51.40% | 49.43% | -877 bps | |
| Non-Interest Burden | 1.93% | 1.83% | 1.81% | 1.83% | 1.67% | -25 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.60% | 3.07% | 4.86% | 7.17% | 3.46% | +186 bps | |
| Loan Growth (YoY) | 5.30% | 5.07% | 4.50% | 3.19% | 4.12% | -118 bps | |
| Deposit Growth (YoY) | 7.51% | 8.21% | 9.29% | 8.83% | 5.31% | -220 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.19% | 1.32% | 0.98% | 0.77% | 0.74% | -45 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.06% | 0.02% | 0.03% | +2 bps | |
| Allowance / Loans | 0.88% | 0.90% | 0.85% | 0.84% | 0.85% | -3 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.7x | 0.9x | 1.1x | 1.2x | +0.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.43% | 9.62% | 9.93% | 9.88% | 10.22% | +78 bps | |
| Total Risk-Based Capital | 16.33% | 16.70% | 16.88% | 17.26% | 17.73% | +140 bps | |
| Equity / Assets | 10.68% | 10.92% | 11.28% | 10.96% | 11.65% | +97 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.17% | 83.82% | 83.38% | 81.12% | 84.20% | -97 bps | |
| Liquid Assets / Assets | 1.56% | 1.92% | 2.14% | 2.74% | 0.23% | -134 bps | |
| CRE / Total Capital | n/a | 248% | 241% | 245% | n/a | n/a | |