JOURNEY BANK

BLOOMSBURG, PA | Large | Est. Feb. 1, 1926, midnight | FDIC #686 | RSSD #881012 | FDIC
Latest Report: 2025-12-31

JOURNEY BANK is aln large FDIC-insured commercial bank headquartered in BLOOMSBURG, PA, established in Feb. 1, 1926, midnight. As of 2025-12-31, the bank reported total assets of $1.7B and total deposits of $1.4B. Profitability stands at 1.78% ROA and 16.01% ROE, with a net interest margin of 4.25%. The bank's CET1 capital ratio is 15.93%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.98% and a Texas Ratio of 5.97%. FDIC Certificate #686.

Assets

$1.7B

Deposits

$1.4B

Loans

$1.2B

Equity

$188M

Profitability

Return on Assets (ROA) 1.78%
Return on Equity (ROE) 16.01%
Net Interest Margin (NIM) 4.25%
Yield on Assets 5.99%
Cost of Funds 2.26%

Asset Quality

NPL Ratio 0.98%
Net Charge-Off Ratio 0.06%
Texas Ratio 5.97%
NPA Ratio 0.71%
ACL / Loans 0.85%

Capital & Liquidity

CET1 Ratio 15.93%
Tier 1 Capital 15.93%
Total Capital Ratio 16.88%
Leverage Ratio 9.93%
Loan-to-Deposit 83.38%

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