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
Unfavorable gap of $15.5M · efficiency ratio beats 71% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.14% | 0.60% | 1.01% | 1.45% | Beats 58% | 262 / 629 | |
| Return on Equity | 17.04% | 5.38% | 9.30% | 13.28% | Beats 89% | 69 / 629 | |
| Net Interest Margin | 3.26% | 3.03% | 3.54% | 4.05% | Beats 36% | 405 / 629 | |
| Efficiency Ratio | 60.22% | 58.35% | 67.79% | 79.08% | Beats 71% | 182 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.05% | 0.09% | 0.46% | 1.20% | Beats 80% | 116 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 62% | 224 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 11.61% | 11.24% | 13.84% | 18.77% | Beats 29% | 445 / 629 | |
| Total Risk-Based Capital Ratio | 12.76% | 11.58% | 14.43% | 19.66% | Beats 36% | 403 / 629 | |
| Equity / Assets | 6.70% | 9.09% | 10.65% | 13.80% | Beats 4% | 604 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 78.95% | 67.24% | 80.90% | 93.48% | 47th pctl | 314 / 594 | |
| Loans / Assets | 69.32% | 53.31% | 67.71% | 78.15% | 54th pctl | 288 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |