The Juniata Valley Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Operating from Mifflintown, PA, The Juniata Valley Bank serves its local market as an FDIC-insured commercial bank. Total assets stand at $918M. Earnings are mid-range, 1.08% ROA and a 3.47% net interest margin. Regulatory capital is solid, 11.61% CET1 and 12.76% total risk-based capital ratio. Asset quality is pristine, 0.05% NPLs and a 0.51% Texas Ratio. Its footprint covers 15 branches concentrated in Pennsylvania.
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%, a Texas ratio of 0.51%, per financial data filed with the FFIEC.
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)
- Offices
- 15 domestic
- 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 |
|---|---|---|
| Barber Marcie A | CEO | President/CEO |
| Wolf Michael W. | CFO | EVP/CFO |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The Juniata Valley Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The Juniata Valley 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.61% | 1.08% | 0.05% | 0.51% | 3.47% |
| Q1 2026 | 11.67% | 1.24% | 0.05% | 0.51% | 3.48% |
| Q4 2025 | 11.44% | 0.89% | 0.11% | 1.19% | 3.25% |
| Q3 2025 | 11.89% | 0.94% | 0.10% | 1.10% | 3.20% |
| Q2 2025 | 11.81% | 0.90% | 0.09% | 1.07% | 3.06% |
| Q1 2025 | 11.96% | 0.96% | 0.10% | 1.38% | 2.93% |
| Q4 2024 | 11.74% | 0.68% | 0.09% | 1.44% | 2.90% |
| Q3 2024 | 11.74% | 0.76% | 0.07% | 1.63% | 2.88% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 14 branches →
| 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
What the public regulatory sources show for The Juniata Valley Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in PA, rank 61 of 148 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Juniata Valley Bank headquartered?
The Juniata Valley Bank is headquartered in Mifflintown, PA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was The Juniata Valley Bank founded?
The Juniata Valley Bank was established in 1867, per the FDIC institution directory.
Is The Juniata Valley Bank FDIC-insured?
Yes. The Juniata Valley Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The Juniata Valley Bank's CET1 capital ratio?
The Juniata Valley Bank 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?
The Juniata Valley Bank operates 15 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?
The Juniata Valley Bank's Texas Ratio is 0.51% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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.
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