{"schema_version":"secwatch.filing_event.v1","accession":"0001174947-26-000918","form_type":"8-K","ticker":"CCFN","cik":"0000731122","company_name":"MUNCY COLUMBIA FINANCIAL Corp","filed_at":"2026-10-19T18:54:21+00:00","discovered_at":"2026-10-19T18:55:00.227687+00:00","generated_at":"2026-10-19T18:55:03.576219+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Muncy Columbia Q3 2026 EPS falls to $0.57 from $0.63; $2.4M securities loss hits non-interest income","bullets":["Net income $6.043M, or $0.57/share, vs $6.719M, or $0.63/share, in Q3 2025; return on average assets 1.42% vs 1.63%.","Net interest income $17.633M, up $1.982M YoY, as interest expense fell $617K; fully-tax-equivalent net interest margin 4.54% vs 4.15%.","Non-interest income dropped $2.281M to $611K after $2.404M realized losses on available-for-sale securities sold in a balance sheet repositioning; proceeds reinvested at higher yields.","Provision for credit losses $942K vs $479K a year ago; allowance to total loans 0.91% vs 0.85% at Dec 31, 2025; non-performing assets 0.67% of total assets.","Q3 dividend $0.155/share vs $0.150; nine-month dividends $0.797 including a $0.333 special; 3-for-1 split effective May 15, 2026, all per-share figures restated."],"urls":{"canonical":"https://secwatch.observer/filing/0001174947-26-000918","json":"https://secwatch.observer/filing/0001174947-26-000918.json","markdown":"https://secwatch.observer/filing/0001174947-26-000918.md","text":"https://secwatch.observer/filing/0001174947-26-000918.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/731122/000117494726000918/0001174947-26-000918-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/731122/000117494726000918/form8k-36430_ccfn.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-19T18:55:03.576219+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}