# JUNIATA VALLEY BANK
MIFFLINTOWN, PA · FDIC certificate 7614 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $917.9M | |
| Deposits | $805.8M | |
| Loans and leases | $636.2M | |
| Total equity | $61.5M | |
| Loans / deposits | 78.01% (p41 of band) | 82.04% |
| Liquid assets / assets | 25.99% (p53 of band) | |
| Uninsured deposits / deposits | 20.45% (p30 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.85% (p57 of band) | |
| FHLB advances / assets | 3.61% | |
| Tier 1 leverage | 8.56% (p7 of band) | 10.81% |
| Unrealized securities loss / equity | -13.08% (p36 of band) | -8.10% |
| AOCI / equity | 3.41% (p99 of band) | |
| ROA (annualized) | 1.16% (p43 of band) | 1.28% |
| Net interest margin | 3.47% (p26 of band) | 3.91% |
| Efficiency ratio | 60.22% (p47 of band) | |
| Noncurrent loans | 0.05% (p18 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p42 of band) | |
| Reserve coverage of noncurrent | 2534.55% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 123.13% (p93 of band) | |
| Auto loans | $1.3M (0.20% of loans; DQ 1.00%, NCO 0.00%) | |
| Loans to nondepository financials | $5.6M (9% of equity) (p96 of band) | |
| Deposits YoY | 6.1% | |
| Employees | 126 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 1 |  | capital falling |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 2 | capital falling | uninsured deposits leaving |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 2 | uninsured deposits leaving |  |
| 2013-03 | 2 | charge-offs p90 | uninsured deposits leaving |
| 2013-06 | 1 |  | charge-offs p90 |
| 2013-09 | 2 | capital falling |  |
| 2013-12 | 1 |  | capital falling |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 3 | capital falling, uninsured deposits leaving |  |
| 2015-06 | 1 |  | capital falling, uninsured deposits leaving |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | capital falling |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | capital falling |  |
| 2017-12 | 1 |  | capital falling |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | reserve under noncurrent |
| 2019-09 | 1 | reserve under noncurrent |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 1 |  | reserve under noncurrent |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | leverage <7% |  |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling, leverage <7% |
| 2022-06 | 3 | construction >100% equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | securities losses >30% of equity |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 3 | capital falling, securities losses >30% of equity |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | securities losses >30% of equity |
| 2024-03 | 3 | securities losses >30% of equity |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 1 |  | capital falling, securities losses >30% of equity |
| 2024-12 | 1 | securities losses >30% of equity | construction >100% equity |
| 2025-03 | 0 |  | securities losses >30% of equity |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 2 | capital falling, construction >100% equity |  |
| 2026-03 | 1 |  | capital falling |
| 2026-06 | 1 |  |  |

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

- 2026-07-04 [Local bank adds new branch in Mifflin County - ABC27](https://news.google.com/rss/articles/CBMihAFBVV95cUxNcVYwb1VtN08yd2pxaVdobk1QZXVHbTN0aHJQamJKaW91aVJzdjFESVQ4YXhxM0J1dnJHODNucGpfX1pfMXo4dzIwWVVfQ2Q3Y0gtbVNGM0xzUHB4WjB3VGVTR0tXTFdTUFE5OGpIanZ3NXFhVmdUNFJiNVBnTElHal8xanDSAYoBQVVfeXFMTThuZ0FmRHRtSlJoMU5TdVU5cUkybjZQYktIVUNRd2Z0WGRyb05xS2o5S2ljbjhRc3lRcGVEdzZXeFlEQzQ3QnZjQmlLa0l0QkI1Rmo1dnhVSGRiZzFqMEcybDJyMzlfTzhPbml0VmZtck5MbjIxWVN2UFM5NlhXV0hfOHlsdjd5U0FR?oc=5) · ABC27
- 2026-07-22 [Juniata Valley Financial Corp. Announces Results for the Quarter Ended June 30, 2026 - GlobeNewswire](https://news.google.com/rss/articles/CBMi6gFBVV95cUxONEl0MGxjOVhvc0JDTkVRRFU2YXg4WW9LWnZOUVg0eDk5MzkzdlRhTXpueXJHR01GVlZHNzRRcldmRHdLTEpEeXQ0T2t3UTRVT1JrdUJqcHVlOW1SdDQyV0oxSzljelFOZ3Jrd0xSdXNQSFNRbEhya1FCMzcwbGVfcGxlc2lVVlFLTDlYZ3gxY09xQWcxV0JodlNNRllwRHAwZ0taOWU0VmlVbFVIR1U2ZWNJbGJxdW01aEM0NlNyMVJlWmROdl9UeWNJakpXN29JaGRZZ3ZHckdERm83R3VDTkVSRldnU3AwbXc?oc=5) · GlobeNewswire
- 2025-09-25 [JVB breaks ground at new location - - Lewistown Sentinel](https://news.google.com/rss/articles/CBMilwFBVV95cUxOTEthVVl4ZlpiT19CM3diZEhwNENOd3pxTHZZWWdGbTB4WWllMHZPZ0U0SzF4U3NKSnlPNmFqdkdKSnpmUTlTZC1jTUJMWnRyLXV3Wk14M1ZkSGFpdHdYaE04QS1JSmsyRFUyaEtoTDMyWTU5V3VUTGs5UHkwV1cwc0duSUtPSThRWnNUVWM4MFhfWWU1X2Jj?oc=5) · Lewistown Sentinel
- 2022-12-23 [Orrstown’s Path Valley Branch Selling to Juniata Valley Bank - Franklin County Free Press](https://news.google.com/rss/articles/CBMijwFBVV95cUxNVllrN2JnQmVyclVBTVZlYzVwR016MmZWMEF2bV81dnprdFF0dU1ZRXN5d1J0bVNpU3Q1Ni1LZkF5VF9sUzBRZDFHd2ZVa0hsQUtHNGpLRndiVjhWTHYycnE0UFlUV29oakVBNFQxbDFtaTlRcTQ1STVZeVdxT0NDMFdiTzlvczhfb0VScGhKcw?oc=5) · Franklin County Free Press
- 2018-02-23 [Juniata Valley Bank - PA Business Central | Marcellus Business Central | Women in Business - Pennsylvania Business Central](https://news.google.com/rss/articles/CBMicEFVX3lxTFB2dElwZ2pNSFJXWVFYbjg3MFpxYlM3SjN5NXZBd2hoYlZMVnY4ZmlnVkhac3R4Sjc3Ty1US3JZRmxkaXdteS1vOVhsaGJ1MXctZ2ltWUxZNV9ENDR6RXV3RVZ4YTVUT1dOZkpMU0hRSzE?oc=5) · Pennsylvania Business Central
- 2023-03-13 [How Pennsylvania banks compare to Silicon Valley Bank - CBS News](https://news.google.com/rss/articles/CBMimgFBVV95cUxOTG5yd1FiWndKMkVmaGpJc1luM2Y3a3I1THhLR1lHak5aLUxpSkVKNGdWWkVNdE1WVnQ5THZWWElEWWtrMTJvWnRXdXo3ZVR5SllzTGp0ZzJVRzFLcEpYbFhQcGJlakYtY1FmWE5tczJmRW9PRUhSS09zaWdNVTJucFBZeDdiU21fRDYzV3ZNUTVjdXRUTlRObG130gGfAUFVX3lxTE5tVDF0YVgtQmJJSG5qWHAtNk9MR191VnpSRHNuYlgydWw4MmtVNlNRTTE1VmJEc2h5aFRCUWRGTGNUUHl4R2lkU3hZdjYwT0NWLVJidlhxdF9jeWZxS2k4VnBzMU5LNDJZVDZTY1hIMmpLdnZSdDBBb3B0R2xCSVRCMERLQTR4cDc4WXdqRkNGWW10eGZXbEhtVkFkWXNZbw?oc=5) · CBS News
- 2025-04-25 [Juniata Valley Finl (JUVF) Stock Price, News & Analysis - stocktitan.net](https://news.google.com/rss/articles/CBMiU0FVX3lxTFAwZ2ZEd216VlNDUUluNlNNaXg5VkplSFFGVnh1M01TTHk1NzZHRVdFODRMcE81N3lYVHNqWDhSa2EyektncFRpa3EteEc0V1hSUUw4?oc=5) · stocktitan.net
- 2023-03-24 [Juniata Valley Financial Corp. Appoints Christina Calkins-Mazur as Director - citybiz.co](https://news.google.com/rss/articles/CBMiswFBVV95cUxPc3NSOUppU0ZnU3lPNmh6eGI1SEpIalB4M290NW5JQzdyRWJVb1lwdFhSV0lRTDlyZFBFVFVVMm9zaS1zTGU0cDVBUTlDX1M0aHhlQ0F0bUhqMldfZmxXVWx6NnltS0ZzWHR2Y3U5VE5yY01wRVdfZGRrV0RKd25sLXlBdjNXTGhsX1V5cWRtdFJBbDNMUU5xaWNWU1NwV1loV3p4UVR2X0Vqc3JSa2dRYVpkdw?oc=5) · citybiz.co

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=7614 (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/62.json (key "7614", 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