---
schema_version: "secwatch.filing_event.v1"
accession: "0001174947-26-000694"
form_type: "8-K"
ticker: "CCFN"
cik: "0000731122"
company_name: "MUNCY COLUMBIA FINANCIAL Corp"
filed_at: "2026-07-20T15:36:11+00:00"
generated_at: "2026-07-20T15:37:05.959867+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Muncy Columbia Financial Q2 net income $7.155M ($0.67 EPS), up 24% YoY; 3-for-1 stock split

## Summary
- Net income $7.155M ($0.67 EPS) vs $5.768M ($0.54 EPS) in Q2 2025; six-month net income $14.311M ($1.35 EPS).
- Net interest margin (FTE) 4.37% vs 4.04% a year ago; net interest income up $1.961M to $16.769M.
- Non-performing assets fell to 0.53% of total assets ($8.881M) from 0.72% ($11.978M) at Dec 31, 2025.
- Total cash dividends declared $0.155 per share in Q2 2026; special one-time dividends of $0.333 per share YTD.
- Board declared 3-for-1 stock split (200% stock dividend) effective May 15, 2026; all per-share amounts adjusted.

## SEC filing metadata
- accession: 0001174947-26-000694
- form_type: 8-K
- ticker: CCFN
- cik: 0000731122
- company_name: MUNCY COLUMBIA FINANCIAL Corp
- filed_at: 2026-07-20T15:36:11+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/731122/000117494726000694/0001174947-26-000694-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/731122/000117494726000694/form8k-36117_ccfn.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001174947-26-000694
- JSON: https://secwatch.observer/filing/0001174947-26-000694.json
- Plain text: https://secwatch.observer/filing/0001174947-26-000694.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.