secwatch.observer — SEC 8-K summary
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Issuer:     MUNCY COLUMBIA FINANCIAL Corp (CCFN)
CIK:        0000731122
Form:       8-K
Filed at:   2026-01-21T23:59:59+00:00
Accession:  0001174947-26-000064
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

Muncy Columbia Financial posts record Q4 net income of $7.4M; EPS up 42% YoY
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- Q4 2025 net income $7.39M ($2.09/share) vs $5.22M ($1.47/share) in Q4 2024, a 42% increase.
- Full-year 2025 net income $24.23M ($6.85/share) vs $19.02M ($5.33/share) in 2024, a 27% increase.
- Net interest margin expanded to 4.27% from 3.63% in Q4 2024; net interest income up $2.88M to $16.27M.
- Recorded a $4,000 credit for credit losses vs $567,000 provision in Q4 2024; NPA ratio 0.72% of assets, down from Q3 2025.
- Book value per share $54.44 (up from $47.11); 2025 dividends of $2.30/share incl. special $0.50.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/731122/000117494726000064/0001174947-26-000064-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/731122/000117494726000064/form8k-35152_mcfc.htm
  HTML page:      https://secwatch.observer/filing/0001174947-26-000064

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