JUNIATA VALLEY FINANCIAL CORP

For the period ended Dec 31, 2025. Filed Mar 25, 2026.

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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Mar 25, 2026

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Contents

CONSOLIDATED STATEMENTS OF INCOME

· · · · · ·
· · Year Ended
(Dollars in thousands, except share data) · · December 31,
	2025	2024
Interest and dividend income: · · · · ·
Loans, including fees	$33,425	$31,109
Taxable securities	5,359	5,749
Tax-exempt securities	119	118
Other interest income	72	140
Total interest income	38,975	37,116
Interest expense:
Deposits	11,462	11,167
Short-term borrowings and repurchase agreements	2,077	2,719
Long-term debt	51	268
Other interest bearing liabilities	27	33
Total interest expense	13,617	14,187
Net interest income	25,358	22,929
Provision for credit losses	923	534
Net interest income after provision for credit losses	24,435	22,395
Non-interest income:
Customer service fees	1,868	1,767
Debit card fee income	1,773	1,752
Earnings on bank-owned life insurance and annuities	263	236
Trust fees	444	469
Commissions from sales of non-deposit products	280	388
Fees derived from loan activity	681	682
Change in value of equity securities	131	115
Gain from life insurance proceeds	30	56
Other non-interest income	299	360
Total non-interest income	5,769	5,825
Non-interest expense:
Employee compensation expense	9,151	9,022
Employee benefits	2,141	2,448
Occupancy	1,268	1,412
Equipment	933	863
Data processing expense	2,898	2,881
Professional fees	1,024	1,134
Taxes, other than income	162	191
FDIC Insurance premiums	514	575
Amortization of intangible assets	68	85
Amortization of investment in low-income housing partnerships	322	322
Other non-interest expense	2,350	2,079
Total non-interest expense	20,831	21,012
Income before income taxes	9,373	7,208
Income tax provision	1,390	979
Net income	$7,983	$6,229
Earnings per share
Basic	$1.59	$1.25
Diluted	$1.59	$1.24

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.