The Juniata Valley Bank
BankRegReports is independent of The Juniata Valley Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
The Juniata Valley Bank is an FDIC-insured commercial bank headquartered in Mifflintown, PA, established in 1867 (FDIC certificate 7614), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $917.9M, up 5.8% from Q2 2025, the 49th largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 11.61% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 7614
- Headquarters
- Mifflintown, PA
- Established
- 1867
- Total assets, Q2 2026
- $917.9M
- Assets vs Q2 2025
- +5.8%
- CET1 ratio, Q2 2026
- 11.61%
- Domestic offices
- 14 FDIC institution directory, current count
- Routing number
- 031310219
- Latest call report
- Q2 2026, FFIEC 051 · The Juniata Valley Bank call report
- Holding company
- JUNIATA VALLEY FINANCIAL CORP.
- Asset rank in state
- 49th of 109 in Pennsylvania
The Juniata Valley Bank operates with a thinner capital cushion than most banks of its size. The Mifflintown, Pennsylvania bank had $918 million in assets at June 30, 2026, up 5.8% from a year earlier. It funds 8.56% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also holds commercial real estate loans worth 2.8 times its capital, 2.4 times the median of 1.2 times for banks its size.
Net income for the quarter rose 27% from a year earlier, to $2.5 million. Over the same year, loans grew 14.4% and deposits grew 6.1%.
As of June 30, 2026, The Juniata Valley Bank reported a CET1 capital ratio of 11.61%, a return on assets of 1.08%, a nonperforming-loan ratio of 0.05% and a Texas ratio of 0.33%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Pennsylvania, The Juniata Valley Bank is the 49th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.9% to $917.9M, loans rose 4.3% and deposits rose 2.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 27.6% of total loans, ahead of non-owner-occupied commercial real estate loans at 17.6%. The FDIC Summary of Deposits lists 14 offices for it, in 12 cities in PA; its Lewistown 2 offices book 18% of its branch deposits. On its Q2 2026 call report, The Juniata Valley Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1 S Main St, Mifflintown, PA 17059
- County
- Juniata
- 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
- January 1, 1867
- Former names
- The Juniata Valley Bank (1978); The Juniata Valley National Bank (1962-1978)
- Domestic offices
- 14 FDIC institution directory, current count
- Employees (FTE)
- 126
- Domestic deposits
- $805.8M
- Allowance for credit losses
- $7.6M
- Net charge-offs (YTD)
- $10K
- Average total assets
- $910.3M
- Average total loans
- $621.9M
- Average interest-bearing deposits
- $793.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 7614
- Fed RSSD
- 215710
- SEC CIK
- 714712 → filed by JUNIATA VALLEY FINANCIAL CORP.
- Website
- www.jvbonline.com →
- Parent Holding Company
- JUNIATA VALLEY FINANCIAL CORP. (RSSD 1117512) · JUVF
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Marcie A Barber | CEO | President/CEO |
| Michael W. Wolf | CFO | EVP/CFO |
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
Over the 12 quarters to Q2 2026, The Juniata Valley Bank's total assets ran between $848.4M (Q4 2024) and $917.9M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$917.9M total assets against $867.4M; $856.4M total liabilities against $816.0M.
$628.6M net loans and leases against $549.7M; $805.8M total deposits against $759.4M.
$224.6M securities against $251.7M; $14.0M cash and balances due against $12.1M.
$10.7M total interest income against $9.5M; $3.3M total interest expense against $3.4M.
$7.4M net interest income against $6.2M.
$1.4M total noninterest income against $1.4M; $5.3M total noninterest expense against $5.0M.
$376K provision for credit losses against $349K.
$2.5M net income against $1.9M.
1.08% return on assets against 0.90%; 3.47% net interest margin against 3.06%.
11.61% CET1 capital ratio against 11.81%; 8.56% tier 1 leverage ratio against 8.45%.
Inside the full The Juniata Valley Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
The Juniata Valley Bank rankings
Its closest position to the top of a national ranking is 1,115 of 4,196, for total assets; its furthest is 1,824 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.68% (Q4 2024) to 1.24% (Q1 2026) and its net interest margin ran from 2.88% (Q3 2024) to 3.48% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.61% | 1.08% | 0.05% | 0.33% | 3.47% |
| Q1 2026 | 11.67% | 1.24% | 0.05% | 0.32% | 3.48% |
| Q4 2025 | 11.44% | 0.89% | 0.11% | 0.98% | 3.25% |
| Q3 2025 | 11.89% | 0.94% | 0.10% | 0.88% | 3.20% |
| Q2 2025 | 11.81% | 0.90% | 0.09% | 0.82% | 3.06% |
| Q1 2025 | 11.96% | 0.96% | 0.12% | 1.12% | 2.93% |
| Q4 2024 | 11.74% | 0.68% | 0.12% | 1.30% | 2.90% |
| Q3 2024 | 11.74% | 0.76% | 0.13% | 1.49% | 2.88% |
Swipe the table sideways to see every column.
Branch Network
View all 14 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 |
|---|---|---|---|
| Monument Square Branch | Lewistown , PA | 17044 | $96.0M |
| Millerstown Branch | Millerstown , PA | 17062 | $74.4M |
| Mc Allisterville Branch | Mcalisterville , PA | 17049 | $71.8M |
| Mountain View Branch | Mifflintown , PA | 17059 | $70.9M |
| The Juniata Valley Bank | Mifflintown , PA | 17059 | $63.1M |
| Burnham Branch | Burnham , PA | 17009 | $62.6M |
| Port Royal Branch | Port Royal , PA | 17082 | $53.2M |
| Lillibridge Place Branch | Port Allegany , PA | 16743 | $52.6M |
| FannettMetal Branch | Spring Run , PA | 17262 | $48.8M |
| Water Street Branch | Lewistown , PA | 17044 | $48.7M |
| Gardenview Branch | Reedsville , PA | 17084 | $48.2M |
| Jvb Liverpool Cmnty Br | Liverpool , PA | 17045 | $39.8M |
| Richfield Branch | Richfield , PA | 17086 | $38.7M |
| Coudersport Office | Coudersport , PA | 16915 | $36.9M |
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 |
|---|---|---|---|
| May 1, 2018 | Structure Change | Acquired Liverpool Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 30, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2015 | Structure Change | Acquired The First National Bank of Port Allegany Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1998 | Structure Change | Acquired Lewistown Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 1967 | Structure Change | Acquired Tuscarora State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 23, 1965 | Structure Change | Acquired The Port Royal National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 2, 1962 | Structure Change | Acquired The First National Bank of Millerstown 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 9 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in PA, rank 61 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 289 applications, 223 loans originated, $33.7M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $4.5M approved, $2.3M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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
Add this badge to your website
Free to use. It shows The Juniata Valley Bank’s latest filed figures and updates each quarter.
Similar banks
Compare The Juniata Valley Bank with peers
Frequently asked about The Juniata Valley Bank
What are The Juniata Valley Bank's total assets?
As of the Q2 2026 filing, The Juniata Valley Bank reported total assets of $917.9 million in its FFIEC call report.
Where is The Juniata Valley Bank headquartered?
It is headquartered in Mifflintown, PA, United States.
When was The Juniata Valley Bank founded?
It was established in 1867, per the FDIC institution directory.
Is The Juniata Valley Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #7614). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Juniata Valley Bank?
The Juniata Valley Bank's primary federal regulator is the FDIC.
What is The Juniata Valley Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.61% in its Q2 2026 call report, above regulatory requirements.
How many branches does The Juniata Valley Bank operate?
It operates 14 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Juniata Valley Bank's Texas Ratio?
Its Texas Ratio is 0.33% 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 The Juniata Valley Bank previously called?
The charter now named The Juniata Valley Bank has also operated as The Juniata Valley Bank (1978), The Juniata Valley National Bank (1962-1978), per FDIC structure-change records.
Go deeper on The Juniata Valley Bank.
Get an email when The Juniata Valley Bank files its next call report, and benchmark it against any peer you choose.
Unlock The Juniata Valley Bank, freeFree account