---
schema_version: "secwatch.filing_event.v1"
accession: "0001839882-23-020161"
form_type: "8-K"
ticker: "CCFN"
cik: "0000731122"
company_name: "MUNCY COLUMBIA FINANCIAL Corp"
filed_at: "2023-08-01T23:59:59+00:00"
generated_at: "2026-06-12T19:38:47.080717+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# CCFNB Bancorp Q2 net income falls to $1.46M from $1.95M; EPS $0.71 vs $0.94

## Summary
- Net income Q2 2023 $1.46M vs $1.95M Q2 2022; diluted EPS $0.71 vs $0.94.
- Six-month net income $3.40M vs $4.40M, including $449K merger-related expenses.
- Net interest margin narrowed to 2.32% from 2.51%; deposits down $23.8M, borrowings up.
- Book value per share $43.44; H1 2023 dividends $0.85 per share vs $0.83 year ago.
- Unrealized losses on securities reduced stockholders' equity by $25.2M as of June 30.

## SEC filing metadata
- accession: 0001839882-23-020161
- form_type: 8-K
- ticker: CCFN
- cik: 0000731122
- company_name: MUNCY COLUMBIA FINANCIAL Corp
- filed_at: 2023-08-01T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/731122/000183988223020161/0001839882-23-020161-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/731122/000183988223020161/ccfnb-8k_080123.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001839882-23-020161
- JSON: https://secwatch.observer/filing/0001839882-23-020161.json
- Plain text: https://secwatch.observer/filing/0001839882-23-020161.txt

## Key facts
- Earnings Releases
  MUNCY COLUMBIA FINANCIAL Corp reported six months-ended June 30, 2023 results: net income $3,402,000, EPS $1.64.
  - Period: six months-ended June 30, 2023
  - Net income: $3,402,000
  - EPS: $1.64
  - Result: reported results
  source text: Net income, as reported under U.S. Generally Accepted Accounting Principles, for the six months-ended June 30, 2023 was $3,402,000 compared to $4,398,000 for the same period in 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/731122/000183988223020161/0001839882-23-020161-index.htm
- Earnings Releases
  MUNCY COLUMBIA FINANCIAL Corp reported second quarter 2023 results: net income $1,462,000, EPS $0.71.
  - Period: second quarter 2023
  - Net income: $1,462,000
  - EPS: $0.71
  - Result: reported results
  source text: Net income, as reported under U.S. Generally Accepted Accounting Principles, for the quarter-ended June 30, 2023 was $1,462,000 compared to $1,953,000 for the same period in 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/731122/000183988223020161/0001839882-23-020161-index.htm

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