<div><div></div><div>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 <ul><li>Total interest and dividend income: $88.0 million, reflecting higher earning asset volumes and yields.</li><li>Net interest income: $60.6 million, up $10.1 million (20.1%) driven by higher margins and lower borrowing costs.</li><li>Net income: $24.2 million, up $5.2 million from the prior year.</li><li>Earnings per share — basic and diluted: $6.85 per share.</li><li>Non-interest income: $10.4 million, essentially flat year-over-year; realized losses on securities increased in 2025.</li></ul> Business Highlights <ul><li>Net interest income growth: Increase driven by higher loan volumes and an improved net interest margin supporting lending operations.</li><li>Deposit and funding shift: Strategic migration of customer repurchase agreements into core deposits boosted deposit growth and reduced reliance on short-term borrowings.</li><li>Loan growth and demand: Gross loans rose approximately 4.6%, led by residential and commercial mortgage demand.</li><li>Operational investments and costs: Increased staffing, benefits and professional fees, including one-time executive retirement costs, reflecting operational scaling.</li><li>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.</li></ul>Original SEC Filing: MUNCY COLUMBIA FINANCIAL Corp [ CCFN ] - 10-K - Mar. 06, 2026<section>Disclaimer<div>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.</div></section></div></div>

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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.

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