Mifflintown, PA · Cert 7614 · Juniata Valley Financial Corp.
State charter, non-member · FDIC · 14 branches
Q2 2026
Market Position · Harrisburg-Carlisle, PA · 2026 SOD (annual) · 0.6% share · #18 of 25 inst. · $0.1B of $20.2B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.74% | 0.73% | 0.96% | 0.93% | 0.93% | 0.92% | 1.24% | 1.16% | +23 bps | |
| Return on Equity | 15.12% | 14.51% | 17.15% | 16.26% | 16.02% | 15.58% | 19.28% | 17.77% | +151 bps | |
| Net Interest Margin | 2.67% | 2.69% | 2.75% | 2.81% | 2.84% | 2.86% | 3.29% | 3.26% | +46 bps | |
| Efficiency Ratio | 71.59% | 72.89% | 64.78% | 65.25% | 66.08% | 66.79% | 59.56% | 60.22% | -503 bps | |
| Non-Interest Burden | 1.71% | 1.76% | 1.54% | 1.58% | 1.64% | 1.68% | 1.69% | 1.70% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.55% | -2.59% | -1.35% | 0.65% | 2.63% | 5.55% | 5.60% | 5.81% | +516 bps | |
| Loan Growth (YoY) | 4.69% | 1.61% | 0.42% | 2.75% | 7.33% | 12.65% | 13.20% | 14.36% | +1,161 bps | |
| Deposit Growth (YoY) | -0.61% | -0.15% | 1.39% | 1.89% | 3.01% | 4.52% | 5.33% | 6.11% | +422 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.13% | 0.12% | 0.12% | 0.09% | 0.10% | 0.11% | 0.05% | 0.05% | -4 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.14% | 1.16% | 1.16% | 1.19% | 1.18% | 1.18% | 1.19% | 1.20% | +1 bps | |
| Allowance Coverage of NPLs | 9.0x | 10.1x | 10.0x | 12.9x | 12.2x | 11.2x | 25.2x | 25.3x | +12.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.17% | 8.26% | 8.43% | 8.45% | 8.41% | 8.36% | 8.53% | 8.56% | +11 bps | |
| Total Risk-Based Capital | 12.77% | 12.78% | 13.02% | 12.90% | 13.00% | 12.53% | 12.79% | 12.76% | -13 bps | |
| Equity / Assets | 5.32% | 5.48% | 5.77% | 5.93% | 6.14% | 6.30% | 6.56% | 6.70% | +77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.48% | 71.37% | 71.98% | 73.26% | 74.48% | 76.92% | 77.36% | 78.95% | +570 bps | |
| Liquid Assets / Assets | 23.28% | 23.29% | 23.21% | 22.41% | 21.54% | 20.99% | 20.71% | 20.26% | -215 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 381% | 395% | 397% | n/a | n/a | |