---
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"
generated_at: "2026-10-19T18:55:03.576219+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Muncy Columbia Q3 2026 EPS falls to $0.57 from $0.63; $2.4M securities loss hits non-interest income

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001174947-26-000918
- JSON: https://secwatch.observer/filing/0001174947-26-000918.json
- Plain text: https://secwatch.observer/filing/0001174947-26-000918.txt

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