CCFN on OTC

MUNCY COLUMBIA FINANCIAL Corp

MUNCY COLUMBIA FINANCIAL Corp is an American state commercial bank, incorporated in Pennsylvania.1 It is headquartered in Bloomsburg, Pennsylvania.1 Its shares trade on OTC under the symbol CCFN.1

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Last updated Oct 20, 2026.

Overview

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  • TickerCCFN on OTC1
  • IndustryState Commercial Banks1
  • HeadquartersBloomsburg, Pennsylvania1
  • Incorporated inPA2
  • Business address1199 Lightstreet Road, Bloomsburg, Pa 178152
  • Filer categoryNon-accelerated filer, Smaller reporting company2

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Columbia Bank & Trust Co. ("First Columbia Bank"), with First Columbia Bank being the surviving bank (the "Mergers").3 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Financial statements

Net income456$24.2M in 2025+155% since 2022
0$10.0M$20.0M$30.0M2022: $9.5M$9.5M20222023: $3.4M$3.4M2023−64%2024: $19.0M$19.0M2024+462%2025: $24.2M$24.2M2025+27%

Every line of the income statement as filed: the last 2 fiscal years, latest first.6

Period ending2025-12-312024-12-31
Taxable$76.0M$71.5M
Tax-exempt$1.6M$1.5M
Taxable$5.6M$4.3M
Tax-exempt$3.5M$3.4M
Dividend and other interest income$625.0K$807.0K
Deposits in other banks$767.0K$288.0K
TOTAL INTEREST AND DIVIDEND INCOME$88.0M$81.7M
Deposits$24.1M$22.4M
Short-term borrowings$1.1M$5.7M
Long-term borrowings$2.2M$3.1M
TOTAL INTEREST EXPENSE$27.4M$31.3M
NET INTEREST INCOME$60.6M$50.5M
PROVISION FOR CREDIT LOSSES$839.0K$837.0K
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES$59.8M$49.6M
Service charges and fees$3.0M$2.7M
Interchange fees$2.6M$2.6M
Gain on sale of loans$503.0K$413.0K
Earnings on bank-owned life insurance$925.0K$928.0K
Brokerage$938.0K$807.0K
Trust$1.1M$943.0K
Gains on marketable equity securities$56.0K$60.0K
Realized losses on available-for-sale debt securities, net-$422.0K-$85.0K
Other non-interest income$1.6M$1.9M
TOTAL NON-INTEREST INCOME$10.4M$10.4M
Salaries and employee benefits$21.7M$19.2M
Occupancy$2.6M$2.5M
Furniture and equipment$1.7M$1.7M
Pennsylvania shares tax$1.2M$941.0K
Professional fees$1.9M$1.5M
Director's fees$695.0K$618.0K
Federal deposit insurance$870.0K$820.0K
Data processing and telecommunications$3.6M$3.6M
Automated teller machine and interchange$779.0K$671.0K
Merger-related expenses$241.0K
Amortization of intangible assets$2.0M$2.2M
Other non-interest expense$3.8M$3.8M
TOTAL NON-INTEREST EXPENSE$41.0M$37.7M
INCOME BEFORE INCOME TAX PROVISION$29.1M$22.3M
INCOME TAX PROVISION$4.9M$3.3M
NET INCOME$24.2M$19.0M
EARNINGS PER SHARE - BASIC (in Dollars per share)$6.85$5.33
EARNINGS PER SHARE - DILUTED (in Dollars per share)$6.85$5.33
WEIGHTED AVERAGE SHARES OUTSTANDING (in Shares)3.5M shares3.6M shares

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Corporate structure

MUNCY COLUMBIA FINANCIAL Corp sits at the top of its group. 1 entity, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of MUNCY COLUMBIA FINANCIAL Corp

  • Fourthstone LLC Filed SCHEDULE 13G on MUNCY COLUMBIA FINANCIAL Corp, latest Aug 14, 2026
  • MUNCY COLUMBIA FINANCIAL Corp Bloomsburg, Pennsylvania

Built from major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What MUNCY COLUMBIA FINANCIAL Corp reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$51.9M6 Dec 31, 2025$51.4M6 Dec 31, 2024+1.1%
Accumulated depreciation$25.7M6 Dec 31, 2025$24.9M6 Dec 31, 2024+3.2%
Property and equipment, net$26.3M6 Dec 31, 2025$26.5M6 Dec 31, 2024−0.8%
Operating-lease assets (leased space)$400.0K6 Dec 31, 2025$437.0K6 Dec 31, 2024−8.5%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$48.5M6 Dec 31, 2025$17.4M6 Dec 31, 2024+179.3%
Debt securities available for sale$327.2M6 Dec 31, 2025$323.2M6 Dec 31, 2024+1.2%
Loans, net of allowance$1.2B6 Dec 31, 2025$1.1B6 Dec 31, 2024+4.6%
Deposits held (banks)$1.4B6 Dec 31, 2025$1.3B6 Dec 31, 2024+9.3%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$25.6M6 Dec 31, 2025$25.6M6 Dec 31, 20240%
Intangible assets, net (excluding goodwill)$8.0M6 Dec 31, 2025$10.0M6 Dec 31, 2024−20.0%
Finite-lived intangibles, net$8.0M6 Dec 31, 2025$10.0M5 Dec 31, 2024−20.0%

Properties, in its own words

The Corporation and its subsidiary occupy twenty-two branch properties in Clinton, Columbia, Lycoming, Montour, and Northumberland Counties in Pennsylvania, which are used principally as banking offices, as well as one ancillary facility. As of December 31, 2025, the Corporation and its subsidiary bank owned twenty-one of such properties and leased two such properties.

We consider our facilities to be suitable and adequate for our current and immediate future purposes.

Item 2 of the 10-K filed Mar 6, 2026.3

Leadership

Who has led MUNCY COLUMBIA FINANCIAL Corp, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Lance O. Diehl2006–2024

Chair

  1. Robert J. Glunk2024–now

President

  1. Lance O. Diehl2006–2024

Chief financial officer

  1. Shirley K. Alters2008
  2. Joseph K. Oneill Jr.2024
2010201520202025
Board members and other officers (37)

Former names

  • CCFNB BANCORP INCNov 14, 1995 to Nov 9, 20232

Timeline

  1. Aug 11, 20268-K Other events49
  2. Jul 20, 20268-K Results of operations50
  3. May 12, 20268-K Other events51
  4. Apr 24, 20268-K Shareholder vote; Regulation FD disclosure52
  5. Apr 23, 20268-K Other events53
  6. Apr 20, 20268-K Results of operations54
  7. Feb 18, 20268-K Regulation FD disclosure; Other events55
  8. Jan 29, 20268-K Entered a material agreement56
  9. Jan 21, 20268-K Completed an acquisition or sale57
  10. Nov 13, 20258-K Executive or director change58
  11. Nov 10, 20258-K Other events59
  12. Oct 17, 20258-K Results of operations60
  13. Mar 27, 2006New chief executive Lance O. Diehl becomes CEO9

Calendar

When it reported results

  1. Jul 20, 2026Reported quarterly or annual results50
  2. Apr 20, 2026Reported quarterly or annual results54
  3. Oct 17, 2025Reported quarterly or annual results60
  4. Jul 18, 2025Reported quarterly or annual results61
  5. Apr 22, 2025Reported quarterly or annual results62
  6. Jan 22, 2025Reported quarterly or annual results63
  7. Oct 18, 2024Reported quarterly or annual results64
  8. Jul 19, 2024Reported quarterly or annual results65

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

174 filings to the SEC since October 2021: 3 annual reports, 10 quarterly reports, 44 major events, 93 insider forms, 1 large holders, 23 other. The latest 20:

  1. Sep 14, 20264 EDGAR
  2. Sep 1, 20264 EDGAR
  3. Sep 1, 20264 EDGAR
  4. Aug 31, 20264 EDGAR
  5. Aug 31, 20264 EDGAR
  6. Aug 25, 20264 EDGAR
  7. Aug 14, 2026SCHEDULE 13G EDGAR
  8. Aug 11, 20268-K EDGAR
  9. Aug 7, 202610-Q EDGAR
  10. Aug 6, 20264 EDGAR
  11. Aug 5, 20264 EDGAR
  12. Aug 3, 20264 EDGAR
  13. Jul 31, 20264 EDGAR
  14. Jul 29, 20264 EDGAR
  15. Jul 20, 20268-K EDGAR
  16. Jun 16, 20264 EDGAR
  17. May 27, 20264 EDGAR
  18. May 22, 20264 EDGAR
  19. May 12, 20268-K EDGAR
  20. May 8, 202610-Q EDGAR

The 174 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

62 open-market trades by officers, directors and large owners since October 2021: 52 buys and 10 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Sep 10, 2026Glunk Robert JDirectorBuy80$28.90$2.3KForm 4
Aug 31, 2026Tompkins Bonnie MDirectorSale795$28.25$22.5KForm 4
Aug 28, 2026Oakes Stephanie AEVP & CTOOBuy130$28.25$3.7KForm 4
Aug 28, 2026Tompkins Bonnie MDirectorSale130$28.25$3.7KForm 4
Aug 24, 2026KILE WILLARD H JRDirectorSale1$28.11$25Form 4
Aug 5, 2026WENNER EDWIN ADirectorSale0$28.92$11Form 4
Aug 3, 2026Tompkins Bonnie MDirectorSale100$28.95$2.9KForm 4
Jul 31, 2026Tompkins Bonnie MDirectorSale20$28.95$579Form 4
Jul 30, 2026Tompkins Bonnie MDirectorSale100$28.95$2.9KForm 4
Jul 28, 2026Tompkins Bonnie MDirectorSale118$29.00$3.4KForm 4
Jul 27, 2026Shannon Steven HDirectorBuy350$28.95$10.1KForm 4
Jul 23, 2026Shannon Steven HDirectorBuy600$28.92$17.4KForm 4
Jun 15, 2026Tompkins Bonnie MDirectorSale736$28.00$20.6KForm 4
May 26, 2026MCMICHAEL W BRUCE JRDirectorBuy926$26.99$25.0KForm 4
May 21, 2026MCMICHAEL W BRUCE JRDirectorBuy932$26.80$25.0KForm 4
May 4, 2026Glunk Robert JDirectorBuy37$74.75$2.8KForm 4
May 1, 2026Glunk Robert JDirectorBuy6$74.27$446Form 4
Apr 30, 2026Lehman Jessica M.EVP/Director of Trust ServicesBuy174$72.12$12.5KForm 4
Apr 29, 2026Klingerman Brian DDirectorBuy1,000$73.50$73.5KForm 4
Apr 28, 2026Tompkins Bonnie MDirectorBuy136$73.10$9.9KForm 4

All 62 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Robert J. GlunkExecutive Chairman$74.9K$1.5M67
2025Lance O. DiehlPresident and Chief Executive Officer$421.2K$749.9K67
2025Jeffrey T. ArnoldSenior Executive Vice President and Treasurer$232.5K$374.8K67
2025Joseph K. O'NeillJr., Executive Vice President and Chief Financial Officer$196.6K$316.4K67
2024Lance O. DiehlPresident and Chief Executive Officer$390.0K$661.9K67
2024Robert J. GlunkExecutive Chairman$390.0K$633.2K67
2024Jeffrey T. ArnoldSenior Executive Vice President and Treasurer$215.3K$374.7K67
2024Joseph K. O'NeillJr., Executive Vice President and Chief Financial Officer$182.0K$287.9K67

SEC filer profile

How MUNCY COLUMBIA FINANCIAL Corp is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARMUNCY COLUMBIA FINANCIAL Corp1
  • CIK0000731122
  • Employer ID (EIN)23-22546433
  • Filer statusNon-accelerated filer not an emerging growth company; a smaller reporting company; not a shell company3
  • Incorporated inPennsylvania3
  • Fiscal year endsDecember 311
  • Industry code (SIC)6022 State Commercial Banks1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address1199 Lightstreet Road, Bloomsburg, PA 178151
  • Phone57078444001
  • Shares outstanding10,614,047 as of Aug 7, 20268
  • Public float$147.0M as of Jun 30, 20253
  • AuditorS.R. Snodgrass, P.C, Cranberry Township, Pennsylvania PCAOB ID 74; no auditor attestation of internal control over financial reporting3
  • On EDGAR sinceMay 12, 19951
  • Filings493 in all: 4 (189), 8-K (95), 10-Q (58), 3 (41), 10-K (15), DEF 14A (14), 10QSB (9), UPLOAD (7)1
    All 38 form types

    4/A (6), CORRESP (6), 10-K405 (5), 425 (5), 10-Q/A (3), 8-K/A (3), S-3DPOS (3), S-4/A (3), 10KSB40 (2), 15-15D (2), ARS (2), DEFA14A (2), EFFECT (2), S-4 (2), S-4 POS (2), SC 13G (2), SC 13G/A (2), 10-K/A (1), 10QSB/A (1), 15-12G (1), 3/A (1), 424B3 (1), 5 (1), 8-A12B (1), 8-A12G (1), PRE 14A (1), S-3/A (1), S-8 (1), S-8 POS (1), SCHEDULE 13G (1)

  • Latest filingsAnnual report (10-K) Mar 6, 2026
    Quarterly report (10-Q) Aug 7, 2026
    Proxy statement (DEF 14A) Mar 6, 2026
    Latest 8-K (8-K) Aug 11, 2026

Risk factors and legal proceedings

The risks MUNCY COLUMBIA FINANCIAL Corp names in Item 1A of its 10-K filed Mar 6, 2026: 39 risks under these headings, as written.3

  • Risks Relating to the Corporation’s Business
  • Changes in economic conditions, in particular an economic slowdown in central Pennsylvania, could materially and negatively affect the Corporation’s business.
  • The small- and medium-sized business target market may have fewer financial resources to weather a downturn in the economy.
  • Competition with other financial institutions may have an adverse effect on the Corporation’s ability to retain and grow its client base, which could have a negative effect on its financial condition or results of operations.
  • Liquidity needs could adversely affect the Corporation’s financial condition and results of operation.
  • Changes in prevailing interest rates may reduce the Corporation’s profitability.
  • The Corporation may not be able to adequately anticipate and respond to changes in market interest rates.
  • Significant increases in interest rates may affect customer loan demand and payment habits.
  • If the Bank’s loan growth exceeds that of its deposit growth, then the Bank may be required to obtain higher cost sources of funds.
  • The Corporation’s decisions regarding allowance for credit losses and credit risk may materially and adversely affect its business.
  • The Corporation may have higher credit losses than it has allowed for in its allowance for credit losses.
  • Our reliance upon the accuracy and completeness of information about customers and counterparties could adversely affect our financial condition and results of operations.
The other 28 risks
  • Adverse changes in the market value of securities and investments that we manage for others may negatively impact the growth level of the Bank’s non-interest income.
  • The Bank’s branch locations may be negatively affected by changes in demographics.
  • The Corporation is subject to extensive government regulation and supervision that could interfere with its ability to conduct its business and may negatively impact its financial results, restrict its activities, have an adverse impact on its operations, and impose financial requirements or limitations on the conduct of its business.
  • The Corporation faces a risk of noncompliance and enforcement action with the Bank Secrecy Act and other anti-money laundering statutes and regulations.
  • Regulations relating to privacy, information security and data protection could increase the Corporation’s costs, affect or limit how it collects and uses personal information and adversely affect its business opportunities.
  • The Corporation’s use of third-party vendors and other ongoing third-party business relationships are subject to increasing regulatory requirements and attention.
  • Technological advances impact the Corporation’s business; its information systems may experience an interruption or breach in security.
  • Artificial Intelligence introduces compliance, operational, reputational, and information security risks.
  • The Corporation’s controls and procedures may fail or be circumvented.
  • Negative public opinion surrounding the Corporation and the financial institutions industry generally could damage its reputation and adversely impact its earnings.
  • The Corporation relies heavily on its senior management team, and the unexpected loss of any of those personnel could adversely affect its operations.
  • The success of the Corporation’s strategy depends on its ability to identify and retain individuals with experience and relationships in its markets.
  • Higher FDIC deposit insurance premiums and assessments could adversely impact the Corporation’s financial condition.
  • The Corporation is a holding company dependent for liquidity on payments from the Bank, our only subsidiary, which are subject to restrictions.
  • Commercial real estate loans may increase the Corporation’s exposure to credit risk.
  • Repayment of commercial business loans is often dependent on the cash flows of the borrower, which may be unpredictable, and the collateral securing these loans may fluctuate in value.
  • The Corporation is limited in the amount it can lend to one borrower.
  • The Federal Reserve may require the Corporation to commit capital resources to support the Bank.
  • The Corporation may be subject to more stringent capital requirements in the future.
  • The use of estimates and valuations in the preparation of the Corporation’s consolidated financial statements requires the exercise of judgment, and may be different from actual results, which could have a material adverse effect on the Corporation’s consolidated financial statements.
  • Credit losses related to investment securities, impairment charges related to goodwill, other intangible assets, or deferred tax assets could require charges to earnings, which could result in a negative impact on our results of operations.
  • If we want to, or are compelled to, raise additional capital in the future, that capital may not be available when it is needed and on terms favorable to current shareholders.
  • The Corporation may be adversely affected by the soundness of other financial institutions.
  • The Federal Home Loan Bank of Pittsburgh’s financial condition could deteriorate.
  • Risks Related to an Investment in the Corporation’s Common Stock
  • There is a limited trading market in the Corporation common stock, which will hinder your ability to sell the Corporation’s common stock and may lower the market price of the stock.
  • The Corporation can provide no assurance regarding whether, and if so when, it will make dividend payments in the future.
  • The Corporation common stock is not FDIC insured and may lose value.
  • The Corporation’s shareholders have limited control over changes in the Corporation’s policies and operations, which increases the uncertainty and risks that shareholders face.

Legal proceedings

The Corporation and the Bank are involved in various legal proceedings incidental to their business. Management believes that any such legal proceedings will not have a material adverse effect upon the Corporation’s financial condition or results of operations.

The opening of Item 3, Legal Proceedings.3

Sources

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