The Juniata Valley Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 11.98 percentage points in Q2 2026, from 2522.57% to 2534.55%. It was the largest change from Q1 2026 among the key lines here. Within Pennsylvania, The Juniata Valley Bank is 54th of 109 on return on assets, 1.08% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Juniata Valley Bank sits 0.17 points lower, at 1.08% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.61% |
| Tier 1 risk-based capital ratio | 11.61% |
| Total risk-based capital ratio | 12.76% |
| Tier 1 leverage ratio | 8.56% |
| Equity capital to assets | 6.70% |
| Tangible equity to tangible assets | 5.68% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.05% |
| Non-performing assets ratio | 0.03% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 0.51% |
| Allowance for credit losses to loans | 1.20% |
| Reserve coverage of non-performing loans | 2534.55% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.08% |
| Return on equity | 16.31% |
| Net interest margin | 3.47% |
| Efficiency ratio | 60.33% |
| Yield on earning assets | 4.99% |
| Cost of funds | 1.25% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.95% |
| Core deposits to total deposits | 94.26% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.79% |
| Securities to assets | 24.47% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.09% | 12.09% | 13.07% | 8.20% | 0.85% |
| Q4 2023 | 11.72% | 11.72% | 12.68% | 8.17% | 0.76% |
| Q1 2024 | 11.69% | 11.69% | 12.67% | 8.12% | 0.64% |
| Q2 2024 | 11.58% | 11.58% | 12.56% | 8.05% | 0.82% |
| Q3 2024 | 11.74% | 11.74% | 12.77% | 8.17% | 0.76% |
| Q4 2024 | 11.74% | 11.74% | 12.78% | 8.26% | 0.68% |
| Q1 2025 | 11.96% | 11.96% | 13.02% | 8.43% | 0.96% |
| Q2 2025 | 11.81% | 11.81% | 12.90% | 8.45% | 0.90% |
| Q3 2025 | 11.89% | 11.89% | 13.00% | 8.41% | 0.94% |
| Q4 2025 | 11.44% | 11.44% | 12.53% | 8.36% | 0.89% |
| Q1 2026 | 11.67% | 11.67% | 12.79% | 8.53% | 1.24% |
| Q2 2026 | 11.61% | 11.61% | 12.76% | 8.56% | 1.08% |
The Juniata Valley Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Juniata Valley Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Juniata Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7614) · FFIEC NIC profile (RSSD 215710)