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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · Pennsylvania, the state note

Juniata Valley Bank

Mifflintown, Pennsylvania · $918M in assets · beside the 11 other Pennsylvania banks between $300M and $1B

The filing

6.7%
Equity / assets
12th of 12
0.05%
NPA / loans
1st of 12
25.3x
Coverage of noncurrent
1st of 12

Juniata Valley Bank is the fourth largest of the 12 Pennsylvania banks nearest its size between $300M and $1B, with $918M in assets at 30 June 2026. Loans are 79.0% of deposits, 5th of 12 against a median of 92.2%, and equity is 6.7% of assets, the lowest in the cohort. Loans grew +14.4% in the year, 3rd of 12, and deposits grew 6.1%; the cohort's median loan growth is +6.1%.

Noncurrent loans are 0.05% of the book, the lowest in the cohort against a median of 0.25%; 0.16% is 30 to 89 days past due, and the allowance covers them 25.3 times. Commercial real estate is 37.5% of loans, 7th of 12 against a median of 30.4%, and 282% of capital, below the 300% screen, with construction at 89% against the 100% screen.

Return on assets is 1.15%, 7th of 12 against a median of 1.21%, on an efficiency ratio of 60.2%, 7th of 12. Five years ago it was 0.83%. The question is which of these lines moves first over the next four quarters, and against which peer.

Nonperforming loans, share of loansPA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 0.25% JV Juniata Valley Bank 0.05% PB PS Bank 0.10% IB Infirst Bank 0.10% FR First Resource Bank 0.12% HB Harleysville Bank 0.14% C Cfsbank 0.24% RS Reliance Savings Bank 0.26% AC Atlantic Community Bankers Bank 0.53% NT New Tripoli Bank 0.89% PB Pennian Bank 1.09% FN First Northern Bank & Trust Co. 1.16% AB Asian Bank 1.22%
Loans, year over yearPA banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +6.1% AB Asian Bank +16.9% FR First Resource Bank +16.3% JV Juniata Valley Bank +14.4% C Cfsbank +10.2% PB PS Bank +8.5% RS Reliance Savings Bank +6.2% IB Infirst Bank +5.9% FN First Northern Bank & Trust Co. +3.5% NT New Tripoli Bank +3.4% AC Atlantic Community Bankers Bank +3.3% PB Pennian Bank +1.2% HB Harleysville Bank +0.5%

SBA 7(a), FY2008 to FY2026

Juniata Valley Bank is the 82nd largest 7(a) lender into Pennsylvania of 374, with $21M across 25 loans, 0.2% of everything approved in the state (The Huntington National Bank leads with $747M). 4 of its 9 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Pennsylvania, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Dauphin, PA$8M10th of 712.7%+1.8 pts
York, PA$5M18th of 801.2%thin
Lehigh, PA$4M24th of 871.1%thin
Clearfield, PA$2M12th of 323.4%quiet FY2021
Mckean, PA$1M4th of 810.1%quiet FY2022
Mifflin, PA$572K6th of 195.3%thin
Perry, PA$377K8th of 193.6%thin
Potter, PA$145K7th of 160.9%quiet FY2017
Juniata, PA$130K7th of 101.9%quiet FY2021
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Construction4$5M23.3%0.02%586th of 2,063
Accommodation & food services8$5M23.3%0.01%827th of 2,596
Manufacturing3$4M21.2%0.01%753rd of 2,246
Transportation & warehousing4$4M19.8%0.03%363rd of 1,563
Retail trade2$2M9.2%0.00%1194th of 2,589
7(a) lenders into Pennsylvania, share of approvals since FY2008374 lenders on record; the ten largest and Juniata Valley Bank
TH The Huntington National Bank 6.0% $747M · 3,723 loans WS Wilmington Savings Fund Society F… 5.3% $655M · 959 loans LO Live Oak Banking Company 4.9% $615M · 509 loans FB Fulton Bank, National Association 4.3% $533M · 636 loans BB Beacon Bank and Trust 4.2% $526M · 572 loans FC First Commonwealth Bank 4.0% $498M · 978 loans Ma Manufacturers and Traders Trust C… 3.6% $451M · 3,808 loans MB Meridian Bank 3.0% $373M · 416 loans TB TD Bank, National Association 2.8% $349M · 2,613 loans PB PNC Bank, National Association 2.6% $318M · 1,532 loans TJ The Juniata Valley Bank 0.2% $21M · 25 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 3 CBLR filers; owner-occupied excluded; bold marks a screen met
Juniata Valley BankRankCohort median
Total CRE against capital, the 300% screen282%10th of 12159%
Construction against capital, the 100% screen89%11th of 1219%
Construction and land development, share of loans11.9%11th of 123.1%
Non-owner-occupied nonfarm nonresidential, share of loans17.6%7th of 1215.2%
Total CRE, the guidance definition, share of loans37.5%7th of 1230.4%
CRE growth over 36 months, the third prong+48.6%9th of 12+27.6%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Harleysville Bank$964M1.5%49.6%0.14%0.02%0.7%99.1%9.9%
Atlantic Community Bankers Bank$942M1.3%73.1%0.53%-0.02%1.6%104.0%16.2%
First Northern Bank & Trust Co.$921M1.4%59.3%1.16%-0.14%1.6%75.2%14.8%
Juniata Valley Bank$918M1.2%60.2%0.05%0.00%1.2%79.0%6.7%
First Resource Bank$841M1.4%53.2%0.12%0.00%0.8%96.9%8.3%
Cfsbank$773M0.2%90.4%0.24%0.01%0.5%77.4%9.8%
Asian Bank$686M1.3%47.4%1.22%0.05%1.1%117.2%18.5%
Infirst Bank$683M1.0%65.3%0.10%0.00%1.2%98.4%9.2%
PS Bank$675M1.9%49.5%0.10%0.01%1.2%75.1%10.4%
New Tripoli Bank$674M1.1%57.7%0.89%0.00%1.1%87.4%7.9%
Pennian Bank$668M0.4%88.8%1.09%0.01%1.2%77.3%7.4%
Reliance Savings Bank$649M0.3%88.8%0.26%0.01%0.9%98.3%12.2%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Juniata Valley BankCohort median
20212026Change20212026Change
Loans$431M$636M+48%$395M$554M+40%
Deposits$709M$806M+14%$471M$607M+29%
NPA / loans0.10%0.05%-0.05 pts0.45%0.25%-0.20 pts
Efficiency74.6%60.2%-14.4 pts66.3%59.8%-6.5 pts
ROA0.83%1.15%+0.32 pts0.84%1.21%+0.37 pts

This read was prepared for Juniata Valley Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Juniata Valley Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort PA banks $300M to $1B
Institution www.jvbonline.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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