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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

$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

4.28%Q2 ’244.41%Q2 ’254.69%Q2 ’26+8%+14%

Non-interest income vs. expense

2.31%Q2 ’242.31%Q2 ’252.35%Q2 ’26+1%+6%

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 1.08%, up 18 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 0.05% of loans (-4 bps YoY), with net charge-offs at 0.01%.
  • 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 (quarter, annualized)

1.08%+18 bps YoY

Net Interest Margin (quarter, annualized)

3.28%+39 bps YoY

Efficiency Ratio (quarter, annualized)

60.88%-483 bps YoY

Tier 1 Leverage Ratio

8.56%+11 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.90%0.94%0.89%1.24%1.08%+18 bps
Return on Equity15.37%15.60%14.37%19.28%16.31%+94 bps
Net Interest Margin2.89%3.01%3.06%3.29%3.28%+39 bps
Efficiency Ratio65.70%67.61%68.78%59.56%60.88%-483 bps
Non-Interest Burden1.65%1.80%1.89%1.69%1.74%+9 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 / Loans0.00%0.00%0.00%0.00%0.01%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