JUNIATA VALLEY FINANCIAL CORP
For the period ended Dec 31, 2025. Filed Mar 25, 2026.
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FY2025 · Filed Mar 25, 2026
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CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION
| | | | | | | |
|---|---|---|---|---|---|---|
| (Dollars in thousands, except share data) · · December 31, 2025 · · December 31, 2024 | ||||||
| ASSETS · · · · | ||||||
| Cash and due from banks | | $5,719 | | $5,064 | ||
| Interest bearing deposits with banks | | 5,729 | | 5,934 | ||
| Cash and cash equivalents | | 11,448 | | 10,998 | ||
| Equity securities | | 1,273 | | 1,189 | ||
| Debt securities available for sale | | 55,600 | | 64,623 | ||
| Debt securities held to maturity (fair value $179,984 and $182,773, respectively) | | 182,205 | | 191,627 | ||
| Restricted investment in bank stock | | 2,522 | | 2,530 | ||
| Total loans | | 601,378 | | 533,869 | ||
| Less: Allowance for credit losses | | (7,083) | | (6,183) | ||
| Total loans, net of allowance for credit losses | | 594,295 | | 527,686 | ||
| Premises and equipment, net | | 9,256 | | 9,382 | ||
| Bank owned life insurance and annuities | | 15,947 | | 15,214 | ||
| Investment in low-income housing partnerships | | 510 | | 832 | ||
| Core deposit and other intangible assets | | 190 | | 258 | ||
| Goodwill | | 9,812 | | 9,812 | ||
| Mortgage servicing rights | | 60 | | 69 | ||
| Deferred tax asset, net | | | 8,198 | | | 9,842 |
| Accrued interest receivable and other assets | | 3,947 | | 4,812 | ||
| Total assets | | $895,263 | | $848,874 | ||
| LIABILITIES AND STOCKHOLDERS’ EQUITY | | | | | ||
| Liabilities: | | | | | ||
| Deposits: | | | | | ||
| Non-interest bearing | | $209,865 | | $196,801 | ||
| Interest bearing | | 571,934 | | 551,156 | ||
| Total deposits | | 781,799 | | 747,957 | ||
| Short-term borrowings and repurchase agreements | | 49,906 | | 42,242 | ||
| Long-term debt | | — | | 5,000 | ||
| Other interest bearing liabilities | | 720 | | 830 | ||
| Accrued interest payable and other liabilities | | 5,465 | | 5,388 | ||
| Total liabilities | | 837,890 | | 801,417 | ||
| Commitments and contingent liabilities | | | | | | |
| Stockholders’ Equity: | | | | | ||
| Preferred stock, no par value: Authorized - 500,000 shares, none issued | | — | | — | ||
| Common stock, par value $1.00 per share: Authorized 20,000,000 shares; Issued - 5,151,279 shares at December 31, 2025 and December 31, 2024; Outstanding - 5,018,799 shares at December 31, 2025 and 5,003,384 shares at December 31, 2024 | | 5,151 | | 5,151 | ||
| Surplus | | 24,820 | | 24,896 | ||
| Retained earnings | | 56,696 | | 53,126 | ||
| Accumulated other comprehensive loss | | (27,154) | | (33,320) | ||
| Cost of common stock in Treasury: 132,480 shares at December 31, 2025; 147,895 shares at December 31, 2024 | | (2,140) | | (2,396) | ||
| Total stockholders’ equity | | 57,373 | | 47,457 | ||
| Total liabilities and stockholders’ equity | | $895,263 | | $848,874 | ||
JUNIATA FINANCIAL CORP. AND SUBSIDIARY
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