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Journey Bank

Bloomsburg, PA · Cert 686 · Muncy Columbia Financial Corp.

State charter, non-member · FDIC · 23 branches

Q2 2026

$1.7BAssets
$1.2BLoans
$1.4BDeposits
$194.4MEquity
Loan mix
94%RE $1.1B5%C&I $0.1B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $1.2B19%Noninterest $0.3BQ2 2025Q2 2026

NIM

5.06%Q2 ’245.35%Q2 ’255.54%Q2 ’26+18%+8%

Non-interest income vs. expense

2.29%Q2 ’242.40%Q2 ’252.43%Q2 ’26+4%-13%

Market Position · Williamsport, PA · 2026 SOD (annual) · 17.0% share · #2 of 10 inst. · $0.5B of $3.0B

44.4% Columbia
17.0% Lycoming
7.3% Northumberland
7.6% Clinton

Executive Summary

  • Earnings: ROA of 1.69%, up 24 bps year over year; NIM at 4.04%.
  • Asset quality: problem loans at 0.74% of loans (-45 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 10.22%, up 78 bps from a year ago.
  • Funding: loans stand at 84.20% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.69%+24 bps YoY

Net Interest Margin (quarter, annualized)

4.04%+31 bps YoY

Efficiency Ratio (quarter, annualized)

47.64%-520 bps YoY

Tier 1 Leverage Ratio

10.22%+78 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.45%1.66%1.78%1.68%1.69%+24 bps
Return on Equity13.74%15.33%16.01%15.13%14.96%+122 bps
Net Interest Margin3.73%3.88%4.00%3.96%4.04%+31 bps
Efficiency Ratio52.85%50.35%50.26%51.40%47.64%-520 bps
Non-Interest Burden1.75%1.71%1.76%1.83%1.52%-24 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 / Loans1.19%1.32%0.98%0.77%0.74%-45 bps
Net Charge-Offs / Loans0.03%0.03%0.20%0.02%0.03%+1 bps
Allowance / Loans0.88%0.90%0.85%0.84%0.85%-3 bps
Allowance Coverage of NPLs0.7x0.7x0.9x1.1x1.2x+0.4x
Capital
Tier 1 Leverage Ratio9.43%9.62%9.93%9.88%10.22%+78 bps
Total Risk-Based Capital16.33%16.70%16.88%17.26%17.73%+140 bps
Equity / Assets10.68%10.92%11.28%10.96%11.65%+97 bps
Liquidity & Funding
Loans / Deposits85.17%83.82%83.38%81.12%84.20%-97 bps
Liquid Assets / Assets1.56%1.92%2.14%2.74%0.23%-134 bps
CRE / Total Capitaln/a248%241%245%n/an/a