---
title: "Muncy Columbia Financial 10-K: $88.0M Interest Income, $6.85 EPS"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/278158883.md"
description: "Muncy Columbia Financial reported 2025 earnings with total interest and dividend income of $88.0 million and net income of $24.2 million, resulting in earnings per share of $6.85. Net interest income increased to $60.6 million due to higher margins and lower borrowing costs. Non-interest income remained flat at $10.4 million. The company experienced a 4.6% growth in gross loans, driven by residential and commercial mortgage demand, while strategic shifts in deposits reduced reliance on short-term borrowings."
datetime: "2026-03-06T19:45:01.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/278158883.md)
  - [en](https://longbridge.com/en/news/278158883.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/278158883.md)
---

# Muncy Columbia Financial 10-K: $88.0M Interest Income, $6.85 EPS

**Muncy Columbia Financial** reported stronger 2025 earnings with total interest and dividend income of $88.0 million and net income of $24.2 million, translating to earnings per share of $6.85. Net interest income rose to $60.6 million, driven by higher margins and lower borrowing costs, while non-interest income remained essentially flat at $10.4 million.

**Financial Highlights**

-   **Total interest and dividend income**: $88.0 million, reflecting higher earning asset volumes and yields.
-   **Net interest income**: $60.6 million, up $10.1 million (20.1%) driven by higher margins and lower borrowing costs.
-   **Net income**: $24.2 million, up $5.2 million from the prior year.
-   **Earnings per share — basic and diluted**: $6.85 per share.
-   **Non-interest income**: $10.4 million, essentially flat year-over-year; realized losses on securities increased in 2025.

**Business Highlights**

-   **Net interest income growth**: Increase driven by higher loan volumes and an improved net interest margin supporting lending operations.
-   **Deposit and funding shift**: Strategic migration of customer repurchase agreements into core deposits boosted deposit growth and reduced reliance on short-term borrowings.
-   **Loan growth and demand**: Gross loans rose approximately 4.6%, led by residential and commercial mortgage demand.
-   **Operational investments and costs**: Increased staffing, benefits and professional fees, including one-time executive retirement costs, reflecting operational scaling.
-   **Liquidity and ALCO oversight**: Higher cash balances and securities management enhanced liquidity; ALCO stress testing and scenario modeling are guiding interest-rate and liquidity actions.

Original SEC Filing: MUNCY COLUMBIA FINANCIAL Corp \[ CCFN \] - 10-K - Mar. 06, 2026

**Disclaimer**

This is an AI-powered summary. It may contain inaccuracies. Consider verifying important information with the source. Please note this summary is solely based on documents filed with the SEC.

### Related Stocks

- [EMXC.US](https://longbridge.com/en/quote/EMXC.US.md)
- [CCRP.US](https://longbridge.com/en/quote/CCRP.US.md)
- [VWO.US](https://longbridge.com/en/quote/VWO.US.md)
- [DEM.US](https://longbridge.com/en/quote/DEM.US.md)
- [EMGF.US](https://longbridge.com/en/quote/EMGF.US.md)
- [XCEM.US](https://longbridge.com/en/quote/XCEM.US.md)
- [CHMG.US](https://longbridge.com/en/quote/CHMG.US.md)
- [EDIV.US](https://longbridge.com/en/quote/EDIV.US.md)
- [SPEM.US](https://longbridge.com/en/quote/SPEM.US.md)
- [AVES.US](https://longbridge.com/en/quote/AVES.US.md)
- [IEMG.US](https://longbridge.com/en/quote/IEMG.US.md)
- [AVEM.US](https://longbridge.com/en/quote/AVEM.US.md)
- [EVLU.US](https://longbridge.com/en/quote/EVLU.US.md)
- [EEM.US](https://longbridge.com/en/quote/EEM.US.md)
- [DFEV.US](https://longbridge.com/en/quote/DFEV.US.md)
- [SCHE.US](https://longbridge.com/en/quote/SCHE.US.md)

## Related News & Research

- [Hot money increasingly dominates emerging markets financing, raising risks, IMF says](https://longbridge.com/en/news/281896162.md)
- [Factbox - Emerging economies in focus at IMF World Bank meetings](https://longbridge.com/en/news/282570146.md)
- [IMF cuts emerging economies' growth estimate as war darkens outlook](https://longbridge.com/en/news/282695993.md)
- [First Trust Bets On SPY, EEM With Laddered Strategies Offering Buffered Returns](https://longbridge.com/en/news/282249976.md)
- [Chemung Financial Shareholders Face Deep Subordination in Liquidation Amid $45 Million Subordinated Notes](https://longbridge.com/en/news/279111703.md)