# JOURNEY BANK
BLOOMSBURG, PA · FDIC certificate 686 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.67B | |
| Deposits | $1.43B | |
| Loans and leases | $1.21B | |
| Total equity | $194.4M | |
| Loans / deposits | 83.48% (p41 of band) | 87.10% |
| Liquid assets / assets | 20.77% (p48 of band) | |
| Uninsured deposits / deposits | 27.67% (p41 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.46% (p25 of band) | |
| FHLB advances / assets | 1.07% | |
| Tier 1 leverage | 10.22% (p43 of band) | 10.50% |
| Unrealized securities loss / equity | -3.58% (p71 of band) | -7.75% |
| AOCI / equity | -0.75% (p25 of band) | |
| ROA (annualized) | 1.69% (p79 of band) | 1.26% |
| Net interest margin | 4.30% (p81 of band) | 3.70% |
| Efficiency ratio | 49.43% (p22 of band) | |
| Noncurrent loans | 0.74% (p63 of band) | 0.51% |
| Net charge-offs (annualized) | 0.02% (p47 of band) | |
| Reserve coverage of noncurrent | 115.54% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 30.43% (p31 of band) | |
| Auto loans | $2.8M (0.23% of loans; DQ 0.76%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 5.3% | |
| Employees | 257 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 3 | wholesale funding >15%, deposits shrinking, uninsured deposits leaving |  |
| 2013-12 | 0 |  | wholesale funding >15%, deposits shrinking, uninsured deposits leaving |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 2 | wholesale funding >15% |  |
| 2017-12 | 1 |  | wholesale funding >15% |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | wholesale funding >15% |  |
| 2019-03 | 0 |  | wholesale funding >15% |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | wholesale funding >15% |  |
| 2019-12 | 1 | capital falling | wholesale funding >15% |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | wholesale funding >15% |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 | NIM <2.5% | capital falling, wholesale funding >15% |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 3 | wholesale funding >15% | NIM <2.5% |
| 2022-12 | 3 |  |  |
| 2023-03 | 5 | NIM <2.5%, deposits shrinking, uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 5 |  |  |
| 2023-09 | 5 |  |  |
| 2023-12 | 3 | capital falling | securities losses >30% of equity, deposits shrinking, uninsured deposits leaving |
| 2024-03 | 0 |  | wholesale funding >15%, NIM <2.5%, capital falling |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | reserve under noncurrent |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | reserve under noncurrent |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-05 [Penn College bolsters Journey Bank CAC’s ties to academics and community [2026-03-05] - Pennsylvania College of Technology](https://news.google.com/rss/articles/CBMitwFBVV95cUxOSG5xa3BFSTRjbHNSYzRfc2gwQVcwSGY5cTdPaDNkdDNZOGQxRjE1d0JhdTFxNEhsbWM3RXNhQ29VX2dqVzRFQzdTaUZscXpnbHFhMngwZVdIanRocV95NW5QWlVLUGhtdXFFZnhXWjZMbEJRZHBOOEt0NGlycV9Kc1ZqdUxrWHJ0RTZFaXhFLV9Gemg4ZXdOOGE1Z2JWUjJRdjVkY0JaU2dSU3FqY0JQQ20xeUJ5X1k?oc=5) · Pennsylvania College of Technology
- 2026-04-13 [Journey Bank hosts 16th annual Teen Star musical competition - NorthcentralPA.com](https://news.google.com/rss/articles/CBMi5gFBVV95cUxOTjZlSGNqRkM4SEtwa3dHeGlDaTVCQjU5M2JQbUdVYU1kNFUtOWlGQjEtZ2tvMlB3b2VHdk5nT29NNFB1a1pCaFF0WkZiTE0yeno0cTdrV3lXdV9mcjM1WkZHaDBFUWJ3eC1NLUwwczAwRTJNRzdHM3RHOHBjRkZZMGFUWm5VSWxLM1lPRUN0d0tjdmgySXBDSGRuMU1hNnloekx3RVJ6d1pUdjIzMXBmb255bXpBOHRqMVRhTnR3dGc5S2k4ZHNoRzF3bGtFWmhiektYM3hlQW84X0t5ZFU5aE16anpOZw?oc=5) · NorthcentralPA.com
- 2026-05-12 [Muncy Columbia Financial Corporation Declares Dividend and Authorizes New Treasury Stock Repurchase Program - Business Wire](https://news.google.com/rss/articles/CBMi9wFBVV95cUxPMTlrYWlfRlFtWkFEbXVaTUx1RFVBUlJLVXJ0TEJhZS1kZ0JNRU9OcVVrWVVHXzA1eXVGTldrTW1EM0ExTkNtMktfbDVHeWMtRXU2LU5sVTdiWGRKUkRaVk8zS05xMTRsY1g1WUN6VlRWZC16eVcwRURwakVQVEtRMUpOUGlmWDdDdjVtNzBuTk9CeThFOHVCemw1MW5wUFpFN2pIbXBnemNvOUJpdDVmVWFWOHU4TTRZenJ5QjA5a1p3RS1LcHBhdk9saW1DaTlwNV8xLW1BUmI1aEZGQVYtTnppdnVCaGtqa0FuRnlsV2UzcWtweXZn?oc=5) · Business Wire
- 2026-06-02 [Journey Bank Ballpark celebrates 100 years - WNEP](https://news.google.com/rss/articles/CBMi6wFBVV95cUxQVUdxWW9Udld2ellSRkxhTkVXSXc0X2FZQVY0dGplZ2FwWXlOeU5wV1BPWFN3Ukd0dGUxdEI0N1RvVFhBN1hUTTJwdVMzS1ViY3BXUTQ0M2tVcXVsNFNKVDhKZUVreFoxajRGZU9qbEFxbUxxRVlFbE44MDU3b1lrLVRtN0YzZGtsVWU4alFPOXhVdUJFeUprOUxBYjFNM1pYRFpYNnVsNExnOFFmT0ljY29LbnlnQUozSXc2VlpuM080Z0h0cmpTMGRmOXZMVFhwamRCeDUtZlpfS3JyVzdHV29IaC0tUkJLM3Q0?oc=5) · WNEP
- 2026-04-27 [Williamsport student crowned Journey Bank's Teen Star - NorthcentralPA.com](https://news.google.com/rss/articles/CBMi2wFBVV95cUxQMWF6ZkZfSmp5ZnFPY0xqeFJlZUlZNExqSXBVSW5iVlZmV00zTS01STlRRzZqN293Q3ZoZy10d1pwOFlwemdyN3JiNXRjdzdYelQteWJ5UVNUOXBSVlpHU0xvV0pST0ZEMnYwS0xkcnBzZEFpNEdjZW1Vc0FMODdaRUxMcU5oeGdsM2JHYVllTE8wT29EUmN2ZXJZWDBvN0kzYjliSE9pVWx4anVPOVItMmRScUdaQmhyVWRzaGdkZHYwb2VSSzI0NkkzSkw1c3cwV0RTV3NKSlNPS28?oc=5) · NorthcentralPA.com
- 2026-04-23 [Muncy Columbia Financial Corporation Declares Stock Split - Business Wire](https://news.google.com/rss/articles/CBMitAFBVV95cUxNQkUxTW15MjhCSm5SQWNHZ0c5Tl9ZaDNrb3cxTUZLQnBDLUxGZjQ5YUpJeXlCcUhxaC13MHN2azc0WjFHZzhLUDdoMGxxVFN6Ymt5UlM2ZzVwQlR3REgyRDZCcXhUSVZneWVLNnF2U2ZqNjhWb3BHb2MyVXV1WFFmU2RFYmk5U3FSWTZMQ0U5Z1ZYMnc4VnFHRGlrSWZBcHV5a0h0dF9FVnByaUpickNNa3ZPVWY?oc=5) · Business Wire
- 2025-06-26 [‘Journey Bank Community Arts Center’ debuts July 1 [2025-06-26] - Pennsylvania College of Technology](https://news.google.com/rss/articles/CBMimAFBVV95cUxORm1FSkhWVnlhVzAyNG0wVHY4NnJSTTV1ZkFiWlRldnNrUHJRN0J6WUdNYzI4c19kcE8xb01fUHNVcDlUemRTYTFVYUVrVzU4SlNsYWJMSkNJOXpCMXdrdWswOFRPNVBON0NPb0VELXJKWmkxU0lmaFFFS05pdmRuSGo2dnNyWFMxY2VVemw4aURXREh0VHEtVA?oc=5) · Pennsylvania College of Technology
- 2022-06-13 [Ballpark History | Williamsport Crosscutters - MLB Draft League](https://news.google.com/rss/articles/CBMibEFVX3lxTE1lbmNDVlIwLWRnZWJoU1FCRFVYWEJBM3lmS1hJbjY0THRMei1wdUd3c05hNTFqYkxSd2dtRERRVWRxVVZvUUpPdzdMNmhGNHB4OWpHYnZOQVpSWnllWmdqRXNDOUs4WnE1bXRtMQ?oc=5) · MLB Draft League

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=686 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/46.json (key "686", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide