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Juniata Valley Bank, The

Mifflintown, PA · Cert 7614 · Juniata Valley Financial Corp.

State charter, non-member · FDIC · 14 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

23

Q2 2024Q2 2026peer median (50)

Asset Quality

71

Q2 2024Q2 2026peer median (50)

Profitability

61

Q2 2024Q2 2026peer median (50)

Liquidity

94

Q2 2024Q2 2026peer median

Efficiency

71

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Juniata Valley Bank, The

Mifflintown, PA · Cert 7614 · Juniata Valley Financial Corp.

State charter, non-member · FDIC · 14 branches

Q2 2026

$917.9MAssets
$636.2MLoans
$805.8MDeposits
$61.5MEquity
Loan mix
89%RE $513.6M11%C&I $62.5M0%Consumer $2.7MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $595.3M26%Noninterest $210.6MQ2 2025Q2 2026

NIM

4.21%Q2 ’244.34%Q2 ’254.67%Q2 ’26+7%+16%

Non-interest income vs. expense

2.34%Q2 ’242.24%Q2 ’252.31%Q2 ’26-7%+7%

Market Position · Harrisburg-Carlisle, PA · 2026 SOD (annual) · 0.6% share · #18 of 25 inst. · $0.1B of $20.2B

41.7% Juniata
23.4% Mifflin
12.9% Perry
5.7% McKean

Executive Summary

  • Earnings: ROA of 1.16%, up 23 bps year over year; NIM at 3.26%.
  • Asset quality: problem loans at 0.05% of loans (-4 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.56%, up 11 bps from a year ago.
  • Funding: loans stand at 78.95% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.16%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.26%+46 bps YoY

Efficiency Ratio (YTD, annualized)

60.22%-503 bps YoY

Tier 1 Leverage Ratio

8.56%+11 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.93%0.93%0.92%1.24%1.16%+23 bps
Return on Equity16.26%16.02%15.58%19.28%17.77%+151 bps
Net Interest Margin2.81%2.84%2.86%3.29%3.26%+46 bps
Efficiency Ratio65.25%66.08%66.79%59.56%60.22%-503 bps
Non-Interest Burden1.58%1.64%1.68%1.69%1.70%+12 bps
Growth
Asset Growth (YoY)0.65%2.63%5.55%5.60%5.81%+516 bps
Loan Growth (YoY)2.75%7.33%12.65%13.20%14.36%+1,161 bps
Deposit Growth (YoY)1.89%3.01%4.52%5.33%6.11%+422 bps
Asset Quality
Nonperforming Loans / Loans0.09%0.10%0.11%0.05%0.05%-4 bps
Net Charge-Offs / Loans0.01%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.19%1.18%1.18%1.19%1.20%+1 bps
Allowance Coverage of NPLs12.9x12.2x11.2x25.2x25.3x+12.4x
Capital
Tier 1 Leverage Ratio8.45%8.41%8.36%8.53%8.56%+11 bps
Total Risk-Based Capital12.90%13.00%12.53%12.79%12.76%-13 bps
Equity / Assets5.93%6.14%6.30%6.56%6.70%+77 bps
Liquidity & Funding
Loans / Deposits73.26%74.48%76.92%77.36%78.95%+570 bps
Liquid Assets / Assets22.41%21.54%20.99%20.71%20.26%-215 bps
CRE / Total Capitaln/a381%395%397%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Juniata Valley Bank, The

Mifflintown, PA · Cert 7614 · Peer group: banks under $1B in assets (n=581-629) · Juniata Valley Financial Corp.

State charter, non-member · FDIC · 14 branches

Q2 2026

$917.9MAssets
$636.2MLoans
$805.8MDeposits
$61.5MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 89% of banks under $1B in assets (rank 69 of 629).
  • Widest gap: equity / assets trails 96% of banks under $1B in assets (rank 604 of 629).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.14%

Rank 262 of 629

Net Interest Margin

3.26%

Rank 405 of 629

Efficiency Ratio

60.22%

Rank 182 of 629

Equity / Assets

6.70%

Rank 604 of 629

Non-interest income vs. expense

$5.5M$21.0MINCOMEEXPENSE
Unfavorable gap of $15.5M · efficiency ratio beats 71% of banks under $1B in assets
Bank 60.22%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.14%0.60%1.01%1.45%Beats 58%262 / 629
Return on Equity17.04%5.38%9.30%13.28%Beats 89%69 / 629
Net Interest Margin3.26%3.03%3.54%4.05%Beats 36%405 / 629
Efficiency Ratio60.22%58.35%67.79%79.08%Beats 71%182 / 629
Asset Quality
Nonperforming Loans / Loans0.05%0.09%0.46%1.20%Beats 80%116 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 62%224 / 581
Capital
Tier 1 Capital Ratio11.61%11.24%13.84%18.77%Beats 29%445 / 629
Total Risk-Based Capital Ratio12.76%11.58%14.43%19.66%Beats 36%403 / 629
Equity / Assets6.70%9.09%10.65%13.80%Beats 4%604 / 629
Liquidity & Funding
Loans / Deposits78.95%67.24%80.90%93.48%47th pctl314 / 594
Loans / Assets69.32%53.31%67.71%78.15%54th pctl288 / 629
Brokered Deposits / Depositsn/aNot reported for this institution