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The Juniata Valley Bank
Mifflintown, PA · FDIC Certificate #7614 · Chartered 01/0
Total assets
$917.86M
Total deposits
$805.83M
Total equity
$61.50M
Net loans
$628.61M
Branches (offices)
14
Net income (YTD)
$5.24M
Rank: #1,123 of 4,213 U.S. banks by assets · #49 of 109 in Pennsylvania. Assets changed 5.8% and deposits 6.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.16% |
| Return on equity | 17.77% |
| Net interest margin (YTD) | 3.47% |
| Equity to assets | 6.70% |
| Tier 1 leverage ratio | 8.56% |
| Uninsured deposits (share of deposits) | 20.4% |
| Noncurrent loans (share of loans) | 0.05% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 78.0% |
| Real estate loans (share of loans) | 85.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $534.35M | 85.0% | |
| Commercial & industrial | $68.87M | 11.0% | |
| Consumer / individual | $2.92M | 0.5% | |
| Construction & development | $75.73M | 12.0% | |
| Agricultural | $4.26M | 0.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $816.74M | $719.97M | $4.15M | $45.39M |
| Jun 2023 | $844.56M | $740.09M | $3.21M | $35.98M |
| Jun 2024 | $861.81M | $745.28M | $3.18M | $42.36M |
| Jun 2025 | $867.44M | $759.40M | $3.99M | $51.42M |
| Jun 2026 | $917.86M | $805.83M | $5.24M | $61.50M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Pennsylvania | $805.83M | 14 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $805.83M.
Similar-sized banks
Stonehambank, A Co-Operative Bank ($918.26M) · Century Next Bank ($916.38M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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