Muncy Columbia Financial Corporation (CCFN), the parent company of Journey Bank, released its unaudited financial results for the third quarter of 2026 on October 19, 2026. The company reported GAAP net income of $6,043,000, or $0.57 per share, for the third quarter of 2026. This represents a decrease from the $6,719,000, or $0.63 per share, reported in the same period of 2025. For the nine months ended September 30, 2026, net income totaled $20,354,000, or $1.92 per share, compared to $16,832,000, or $1.59 per share, for the first nine months of 2025.
Net interest income for the third quarter of 2026 was $17,633,000, an increase of $1,982,000 from the $15,651,000 reported in the prior year. The company reported a fully-tax equivalent net interest margin of 4.54% for the third quarter of 2026, up from 4.15% in the third quarter of 2025. A provision for credit losses of $942,000 was recorded during the third quarter of 2026, compared to $479,000 in the same period of 2025. Total non-interest income decreased to $611,000 for the third quarter of 2026, down from $2,892,000 in the prior year. This decline was largely attributed to a $2,404,000 net realized loss on available-for-sale debt securities, which the company sold as part of a balance sheet repositioning strategy to improve its net interest margin.
On the balance sheet, total assets were reported at $1,688,153,000 as of September 30, 2026, compared to $1,673,199,000 at December 31, 2025. Total deposits increased by $59,087,000 during the nine months ended September 30, 2026. The company remains well capitalized, with an equity to assets ratio of 11.43% at September 30, 2026. Non-performing assets totaled $11,272,000, or 0.67% of total assets, a decrease from 0.72% at the end of 2025. The company declared total cash dividends of $0.155 per share for the third quarter of 2026, compared to $0.150 per share in the same period of 2025.
Additionally, the company noted that on April 23, 2026, its Board of Directors approved a three-for-one stock split, which was paid on May 15, 2026. All share and per share amounts in the report have been adjusted to reflect this split.
