secwatch.observer — SEC 8-K summary
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Issuer:     MUNCY COLUMBIA FINANCIAL Corp (CCFN)
CIK:        0000731122
Form:       8-K
Filed at:   2026-10-19T18:54:21+00:00
Accession:  0001174947-26-000918
Event type: earnings
Sentiment:  negative
Materiality: 0.55
Item codes: 2.02, 9.01
LLM model:  deepseek-v4.1-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/731122/000117494726000918/0001174947-26-000918-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/731122/000117494726000918/form8k-36430_ccfn.htm
  HTML page:      https://secwatch.observer/filing/0001174947-26-000918

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer