Journey Bank
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Data as of · sourced from FFIEC call reports. How we update
Journey Bank is an FDIC-insured commercial bank headquartered in Bloomsburg, PA, established in 1926 (FDIC certificate 686), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.67B, up 3.5% from Q2 2025, the 31st largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 16.74% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 686
- Headquarters
- Bloomsburg, PA
- Established
- 1926
- Total assets, Q2 2026
- $1.67B
- Assets vs Q2 2025
- +3.5%
- CET1 ratio, Q2 2026
- 16.74%
- Domestic offices
- 23 FDIC institution directory, current count
- Routing number
- 031305936
- Latest call report
- Q2 2026, FFIEC 051 · Journey Bank call report
- Holding company
- MUNCY COLUMBIA FINANCIAL CORPORATION
- Asset rank in state
- 31st of 109 in Pennsylvania
Journey Bank earns an unusually wide margin on its lending. The Bloomsburg, Pennsylvania bank had $1.7 billion in assets at June 30, 2026, up 3.5% from a year earlier. It keeps 4.36 cents of net interest income on every dollar of earning assets, higher than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). It also spends about 47 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 58 cents).
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.74% of loans, down from 1.19% a year earlier. Net income for the quarter rose 23% from a year earlier, to $7.1 million.
As of June 30, 2026, Journey Bank reported a CET1 capital ratio of 16.74%, a return on assets of 1.69%, a nonperforming-loan ratio of 0.74% and a Texas ratio of 5.17%. The figures come from its call report filed with the FFIEC.
Journey Bank ranks as the 31st largest of the 109 banks based in Pennsylvania, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.6% to $1.67B, loans rose 2.1% and deposits fell 1.6%. 1-4 family residential loans made up 54.4% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 13.0%. Its 23 offices in the FDIC Summary of Deposits are in 16 cities in PA; its Bloomsburg 6 offices book 27% of its branch deposits. By the capital ratios in its Q2 2026 call report, Journey Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1199 Lightstreet Rd, Bloomsburg, PA 17815
- County
- Columbia
- Metro Area
- Bloomsburg-Berwick, PA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- February 1, 1926
- Former names
- First Columbia Bank & Trust Co. (1990-2023)
- Domestic offices
- 23 FDIC institution directory, current count
- Employees (FTE)
- 257
- Domestic deposits
- $1.43B
- Allowance for credit losses
- $10.3M
- Net charge-offs (YTD)
- $161K
- Average total assets
- $1.69B
- Average total loans
- $1.19B
- Average interest-bearing deposits
- $1.16B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 686
- Fed RSSD
- 881012
- SEC CIK
- 731122 → filed by MUNCY COLUMBIA FINANCIAL CORPORATION
- Website
- www.journeybank.com →
- Parent Holding Company
- MUNCY COLUMBIA FINANCIAL CORPORATION (RSSD 1118283) · CCFN
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Lance O Diehl | CEO | President & CEO |
| Robert J Glunk | CHR | Executive Chairman |
| Joseph K Oneill Jr | CFO | EVP & Chief Financial Officer |
| Stephanie A Oakes | COO | EVP, Chief Operations Officer |
| Jason A Fischer | CCO | EVP, Chief Credit Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Journey Bank's total assets ranged from $954.0M (Q3 2023) to $1.71B (Q1 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.67B total assets against $1.61B; $1.47B total liabilities against $1.44B.
$1.20B net loans and leases against $1.15B; $1.43B total deposits against $1.36B.
$326.7M securities against $291.3M; $20.0M cash and balances due against $40.7M.
$23.4M total interest income against $21.6M; $6.6M total interest expense against $6.9M.
$16.7M net interest income against $14.8M.
$3.9M total noninterest income against $2.6M; $10.3M total noninterest expense against $9.7M.
$394K provision for credit losses against $254K.
$7.1M net income against $5.8M.
1.69% return on assets against 1.44%; 4.36% net interest margin against 4.05%.
16.74% CET1 capital ratio against 15.33%; 10.22% tier 1 leverage ratio against 9.43%.
Inside the full Journey Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeJourney Bank rankings
Its closest position to the top of a national ranking is 539 of 3,606, for efficiency ratio; its furthest is 611 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.10% (Q1 2025) to 1.78% (Q4 2025) and its net interest margin ran from 3.56% (Q3 2024) to 4.36% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.74% | 1.69% | 0.74% | 5.17% | 4.36% |
| Q1 2026 | 16.29% | 1.69% | 0.77% | 5.69% | 4.28% |
| Q4 2025 | 15.93% | 1.78% | 0.98% | 7.19% | 4.32% |
| Q3 2025 | 15.69% | 1.65% | 1.32% | 9.91% | 4.21% |
| Q2 2025 | 15.33% | 1.44% | 1.19% | 9.37% | 4.05% |
| Q1 2025 | 15.13% | 1.10% | 1.07% | 8.65% | 3.82% |
| Q4 2024 | 15.06% | 1.31% | 0.89% | 7.41% | 3.71% |
| Q3 2024 | 14.59% | 1.24% | 0.76% | 6.26% | 3.56% |
Swipe the table sideways to see every column.
Branch Network
View all 23 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Muncy Branch | Muncy , PA | 17756 | $155.7M |
| Benton Office | Benton , PA | 17814 | $126.4M |
| East St Branch | Bloomsburg , PA | 17815 | $124.3M |
| Scott Township Office | Bloomsburg , PA | 17815 | $107.1M |
| Hughesville Office | Hughesville , PA | 17737 | $106.0M |
| Montoursville Branch | Montoursville , PA | 17754 | $104.7M |
| Elysburg Branch | Elysburg , PA | 17824 | $100.2M |
| Williamsport Branch Office | Williamsport , PA | 17702 | $84.6M |
| Journey Bank (main office) | Bloomsburg , PA | 17815 | $77.3M |
| Buckhorn Office Branch | Bloomsburg , PA | 17815 | $69.2M |
| Millville Office | Millville , PA | 17846 | $62.8M |
| Berwick Market Street Office | Berwick , PA | 18603 | $56.9M |
| Avis Branch | Avis , PA | 17721 | $54.2M |
| Danville Branch | Danville , PA | 17821 | $48.2M |
| Catawissa Office | Catawissa , PA | 17820 | $38.3M |
| Linden Branch | Linden , PA | 17744 | $34.7M |
| Berwick Front Street Office | Berwick , PA | 18603 | $28.5M |
| Dewart Office Branch | Watsontown , PA | 17777 | $24.1M |
| Clarkstown Branch | Clarkstown , PA | 17756 | $17.6M |
| Bloomsburg Market Street Office | Bloomsburg , PA | 17815 | $7.1M |
| Montgomery Branch | Montgomery , PA | 17752 | $6.1M |
| Www.Journeybank.Com Branch | Bloomsburg , PA | 17815 | $239K |
| Muncy Drive Up Branch | Muncy , PA | 17756 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 11, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 11, 2023 | Structure Change | Acquired The Muncy Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 18, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 18, 2008 | Structure Change | Acquired Columbia County Farmers National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in PA, rank 45 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,084 applications, 939 loans originated, $151.7M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $306K approved, $306K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Journey Bank
What are Journey Bank's total assets?
As of the Q2 2026 filing, Journey Bank reported total assets of $1.67 billion in its FFIEC call report.
Where is Journey Bank headquartered?
It is headquartered in Bloomsburg, PA, United States.
When was Journey Bank founded?
It was established in 1926, per the FDIC institution directory.
Is Journey Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #686). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Journey Bank?
Journey Bank's primary federal regulator is the FDIC.
What is Journey Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.74% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Journey Bank operate?
It operates 23 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Journey Bank's Texas Ratio?
Its Texas Ratio is 5.17% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Journey Bank previously called?
The charter now named Journey Bank has also operated as First Columbia Bank & Trust Co. (1990-2023), per FDIC structure-change records.
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