Welcome to our dedicated page for Muncy Columbia SEC filings (Ticker: CCFN), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
This page provides access to Muncy Columbia Financial Corporation (CCFN) filings with the U.S. Securities and Exchange Commission, along with AI-generated summaries to help interpret the disclosures. Muncy Columbia Financial Corporation is a financial holding company in the commercial banking industry and the parent of Journey Bank, and its SEC reports offer detailed insight into its financial condition, results of operations and governance.
Key filings include annual reports on Form 10-K and quarterly reports on Form 10-Q, which present consolidated balance sheets, statements of income and cash flows, and notes on topics such as loans receivable, allowance for credit losses, investment securities, deposits, borrowings, non-performing assets and capital ratios. These documents also discuss non-interest income categories like service charges and fees, interchange fees, gain on sale of loans, earnings on bank-owned life insurance, brokerage and trust income, as well as non-interest expenses including salaries and employee benefits, occupancy, data processing and merger-related costs.
Current reports on Form 8-K disclose specific material events. Recent 8-K filings referenced in the input include announcements of quarterly earnings, dividend declarations and a director’s planned resignation and appointment to the Journey Bank Advisory Board. These filings also confirm that the Corporation has no securities registered under Section 12(b) of the Exchange Act, while its common stock trades on the OTCQX market as noted in press releases.
Stock Titan’s platform enhances these filings with AI-powered summaries that explain complex sections in plain language, highlight key figures and trends, and point out changes in areas such as credit loss provisions, non-performing assets and capital measures. Users can quickly locate Forms 10-K and 10-Q for detailed financial information, as well as 8-Ks for event-driven updates, and review insider-related disclosures when available through Form 4 and other ownership reports.
Filings are updated in near real time from the SEC’s EDGAR system, allowing investors, analysts and other interested readers to monitor Muncy Columbia Financial Corporation’s regulatory reporting history and understand the context behind its reported performance and risk profile.
Muncy Columbia Financial Corporation reported shareholder voting results from its April 23, 2026 annual meeting and shared an investor presentation on recent performance. Shareholders elected four Class 1 directors and ratified S.R. Snodgrass, P.C. as independent registered public accounting firm with 2,322,155 votes for.
The presentation highlighted 2025 net income of $24.2 million and return on average assets of 1.49%, with first-quarter 2026 net income of $7.2 million. Deposits were $1.413 billion, assets $1.673 billion, and loans $1.178 billion. Net interest margin rose to 4.08% in 2025. The board approved a three-for-one stock split via a 200% stock dividend, targeting 10,612,227 split-adjusted shares outstanding.
Muncy Columbia Financial Corporation declared a three-for-one stock split in the form of a 200% stock dividend on its outstanding common shares. Shareholders of record as of the close of business on May 7, 2026 will receive two additional shares for each share held, distributed after the close of business on May 14, 2026.
Based on the current shares outstanding, the company expects to have 10,612,227 common shares issued and outstanding on a split-adjusted basis. Management highlighted recent financial performance and noted expectations that the additional shares will support greater trading liquidity and broader shareholder participation.
Muncy Columbia Financial Corp director Robert M. Rabb filed a Form 4 that updates his holdings of common stock. The filing reports 12,510 shares held indirectly through his spouse and 18,504 shares held directly in his own name. The entries are classified as holdings, with no explicit buy or sell transactions indicated.
Muncy Columbia Financial Corporation reported strong first quarter 2026 results, with GAAP net income of $7.156 million, or $2.02 per share. Net income rose from $4.345 million, or $1.23 per share, in the first quarter 2025, driven mainly by higher net interest income and lower non-interest expense.
The fully tax-equivalent net interest margin improved to 4.33% from 3.83%, as interest and dividend income increased and total interest expense declined. Return on average assets reached 1.72% and return on average equity was 14.83%, both higher than a year earlier, reflecting stronger profitability.
Total assets grew to $1.72 billion at March 31, 2026, with loans and available-for-sale securities both increasing. Asset quality also improved, as non-performing assets fell to $9.36 million, or 0.55% of total assets, helped by the sale of a $9.8 million portfolio of problem residential mortgage loans.
The company recorded a $714,000 pretax loss on that loan sale, partially offset by other loan sale gains and higher other non-interest income, including a $454,000 Pennsylvania sales tax refund. Total non-interest expense declined by $894,000, largely because prior-year results included $1.295 million in one-time costs tied to the retirement of the Executive Chairman.
Total deposits increased by $40.8 million during the quarter, and the company declared total cash dividends of $1.46 per share, including a special one-time cash dividend of $1.00 per share. Book value per share was $54.29 and the equity-to-assets ratio was 11.18% at March 31, 2026, indicating the company remained well capitalized.
Muncy Columbia Financial EVP/Chief Growth Officer Loni N. Kline completed an open-market purchase of 312 shares of common stock at $61.85 per share on March 6, 2026. Following this transaction, Kline directly owns 810 common shares of the company.
Muncy Columbia Financial Corporation is asking shareholders to vote at its April 23, 2026 annual meeting in Bloomsburg, Pennsylvania. As of the February 23, 2026 record date, 3,536,754 common shares are entitled to one vote each.
Shareholders will elect four Class 1 directors—Robert J. Glunk, Willard H. Kile Jr., Steven H. Shannon and Edwin A. Wenner—for terms expiring in 2029 and vote on ratifying S.R. Snodgrass P.C. as independent registered public accounting firm for 2026. The Board recommends voting FOR all director nominees and FOR auditor ratification.
The proxy describes a 13‑member classified Board, an Independent Lead Director role, and committee-based oversight of risk, lending and audit. It also outlines director fees, deferred compensation arrangements, and executive pay, including 2025 compensation of $749,906 for President and CEO Lance O. Diehl and supplemental retirement and split‑dollar life insurance benefits for key executives.
Muncy Columbia Financial Corporation, parent of Journey Bank, files its annual report describing a community banking business focused on individuals and small to medium-sized businesses in northcentral Pennsylvania. The Bank operates 22 branches across five counties and offers deposits, commercial, consumer and mortgage loans, plus trust and brokerage services.
The company completed a 2023 merger of equals between CCFNB Bancorp and Muncy Bank Financial, creating its current structure and rebranding the bank as Journey Bank. As of December 31, 2025, the Bank was classified as well capitalized under regulatory guidelines, and the Corporation qualified as a small bank holding company.
Non-affiliate common stock held a market value of $146.99 million at June 30, 2025, with 3,536,754 shares outstanding at March 6, 2026. The Corporation has paid cash dividends since 1983 and maintained a share repurchase program authorized in 2024, while emphasizing a single reportable segment: community banking.
Muncy Columbia Financial Corp director Bonnie M. Tompkins reported an open-market purchase of common stock. On the stated date, an account held by her spouse bought 91 shares of common stock at $61.89 per share, reported as indirect ownership.
After this transaction, indirect holdings by spouse totaled 4,299 common shares, while directly held common shares stood at 19,558. The filing records this as a net increase in her reported beneficial ownership position.
MUNCY COLUMBIA FINANCIAL Corp executive Loni N. Kline, EVP/Chief Growth Officer, reported an open-market purchase of 498 shares of common stock on March 5, 2026 at a price of $61.85 per share. Following this transaction, Kline directly owns 498 common shares.