JUNIATA VALLEY BANK, THE

MIFFLINTOWN, PA | Medium | Est. Jan. 1, 1867, midnight | FDIC #7614 | RSSD #215710 | FDIC
Latest Report: 2025-12-31

JUNIATA VALLEY BANK, THE is amn medium FDIC-insured commercial bank headquartered in MIFFLINTOWN, PA, established in Jan. 1, 1867, midnight. As of 2025-12-31, the bank reported total assets of $895M and total deposits of $782M. Profitability stands at 0.89% ROA and 14.37% ROE, with a net interest margin of 3.32%. The bank's CET1 capital ratio is 11.44%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.11% and a Texas Ratio of 1.00%. FDIC Certificate #7614.

Assets

$895M

Deposits

$782M

Loans

$601M

Equity

$56M

Profitability

Return on Assets (ROA) 0.89%
Return on Equity (ROE) 14.37%
Net Interest Margin (NIM) 3.32%
Yield on Assets 5.01%
Cost of Funds 1.70%

Asset Quality

NPL Ratio 0.11%
Net Charge-Off Ratio 0.00%
Texas Ratio 1.00%
NPA Ratio 0.07%
ACL / Loans 1.18%

Capital & Liquidity

CET1 Ratio 11.44%
Tier 1 Capital 11.44%
Total Capital Ratio 12.53%
Leverage Ratio 8.36%
Loan-to-Deposit 76.92%

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