MUNCY COLUMBIA FINANCIAL Corp (OTC: CCFN)

Muncy Columbia Financial Corporation is a registered financial holding company, bank holding company, and Pennsylvania business corporation headquartered in Bloomsburg, Pennsylvania. The corporation was formed through the merger of CCFNB Bancorp, Inc. and Muncy Bank Financial, Inc., which was completed on November 11, 2023, resulting in the creation of Muncy Columbia Financial Corporation and the renaming of its banking subsidiary to Journey Bank. As a bank holding company, it owns Journey Bank, a state chartered nonmember commercial bank whose deposits are insured by the FDIC. Journey Bank provides a full range of banking products and services, including demand and time deposits, consumer, commercial and mortgage loans, trust services, and brokerage offerings through a third party agreement. As of December 31, 2025, the consolidated entity reported approximately $1.7 billion in total assets, $1.2 billion in gross loans, $1.4 billion in deposits, and $193 million in stockholders’ equity, while employing 253 full time equivalent staff.

The corporation’s primary source of revenue is dividends received from its wholly‑owned subsidiary, Journey Bank. Journey Bank generates income from interest earned on its loan portfolio, fees on deposit accounts, service charges, and revenues from its trust and brokerage businesses. Noninterest income also includes fees from wealth management and related services. These earnings are then distributed to the parent company as dividends, which constitute the corporation’s earnings available for shareholders and for reinvestment.

The company operates through the following segments.

• Community Banking: This segment encompasses Journey Bank’s full service commercial banking operations, including demand and time deposit accounts, consumer, commercial and mortgage loans for individuals and small to medium sized businesses, trust department services, and brokerage services provided via a third party networking agreement. The segment operates through twenty two branch offices located in Clinton, Columbia, Lycoming, Montour and Northumberland counties.

Muncy Columbia Financial Corporation operates as a community focused bank in the Northcentral Pennsylvania market, competing with other regional banks, savings institutions, and credit unions. Its competitive advantages stem from local decision making, personalized customer service, direct access to senior officers, and a strong capital position, with Journey Bank rated as well capitalized by regulators as of December 31, 2025. The bank’s outstanding Community Reinvestment Act rating further underscores its commitment to serving the credit needs of its local communities. Additionally, the corporation benefits from its status as a qualified small bank holding company, which exempts it from certain consolidated capital requirements while maintaining robust risk management practices.

The corporation serves individuals and small to medium sized businesses throughout its Northcentral Pennsylvania footprint, providing deposit accounts, loans, trust services and brokerage assistance. While specific customer names are not disclosed, the client base includes retail consumers, local entrepreneurs, professionals, and municipal entities that rely on Journey Bank’s relationship driven approach. The bank also supports nonprofit organizations and agricultural enterprises that operate within its service area, reflecting its dedication to the broader community.