{"schema_version":"secwatch.filing_event.v1","accession":"0001839882-23-028061","form_type":"8-K","ticker":"CCFN","cik":"0000731122","company_name":"MUNCY COLUMBIA FINANCIAL Corp","filed_at":"2023-10-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:31.858025+00:00","generated_at":"2026-06-09T15:13:26.074876+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"CCFNB Q3 net income down 53.5% to $1.17M; EPS $0.56 vs $1.21 a year ago","bullets":["Net income for Q3 2023 was $1.17M ($0.56 EPS) vs $2.52M ($1.21 EPS) in Q3 2022; nine-month net income $4.57M ($2.20) vs $6.92M ($3.33).","Nine-month results included $1.21M in merger-related expenses, weighing on earnings.","Net interest margin fell to 2.29% from 2.56% year-over-year; total assets grew to $957.6M from $944.0M at Dec 2022.","Deposits decreased $41.8M in nine months while short-term borrowings rose $27.3M and long-term borrowings rose $25.0M.","Unrealized losses on securities reduced stockholders’ equity by $27.4M; book value per share increased to $42.50 from $41.34."],"urls":{"canonical":"https://secwatch.observer/filing/0001839882-23-028061","json":"https://secwatch.observer/filing/0001839882-23-028061.json","markdown":"https://secwatch.observer/filing/0001839882-23-028061.md","text":"https://secwatch.observer/filing/0001839882-23-028061.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/731122/000183988223028061/0001839882-23-028061-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/731122/000183988223028061/ccfnb-8k_102423.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T15:13:26.074876+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":[{"claim_id":"001b678d800c611e33d784c7b2a8595e7d5e34ae","claim":"MUNCY COLUMBIA FINANCIAL Corp reported the nine months-ended September 30, 2023 results: EPS Earnings per share, basic and diluted, for the nine months-ended September 30, 2023 and 2022 were $2.20 and $3.33, respe.","evidence_excerpt":"Net income, as reported under U.S. Generally Accepted Accounting Principles, for the nine months-ended September 30, 2023 was $4,573,000 compared to $6,919,000 for the same period in 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/731122/000183988223028061/0001839882-23-028061-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the nine months-ended September 30, 2023"},{"label":"EPS","value":"Earnings per share, basic and diluted, for the nine months-ended September 30, 2023 and 2022 were $2.20 and $3.33, respe"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"001b678d800c611e33d784c7b2a8595e7d5e34ae","claim":"MUNCY COLUMBIA FINANCIAL Corp reported the nine months-ended September 30, 2023 results: EPS Earnings per share, basic and diluted, for the nine months-ended September 30, 2023 and 2022 were $2.20 and $3.33, respe.","evidence_excerpt":"Earnings per share, basic and diluted, for the nine months-ended September 30, 2023 and 2022 were $2.20 and $3.33, respectively.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/731122/000183988223028061/0001839882-23-028061-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the nine months-ended September 30, 2023"},{"label":"EPS","value":"Earnings per share, basic and diluted, for the nine months-ended September 30, 2023 and 2022 were $2.20 and $3.33, respe"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"4bd01475a3cfc8cdbd2183f78012f7d91537ed4c","claim":"MUNCY COLUMBIA FINANCIAL Corp reported the quarter-ended September 30, 2023 results: net income $1,171,000, EPS $0.56.","evidence_excerpt":"Net income, as reported under U.S. Generally Accepted Accounting Principles, for the quarter-ended September 30, 2023, was $1,171,000 compared to $2,521,000 for the same period in 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/731122/000183988223028061/0001839882-23-028061-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter-ended September 30, 2023"},{"label":"Net income","value":"$1,171,000"},{"label":"EPS","value":"$0.56"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"9b44807da83c1f7367aaacc4885e82e05e1c35a0","claim":"MUNCY COLUMBIA FINANCIAL Corp reported the three months-ended September 30, 2023 results: EPS Earnings per share, basic and diluted, for the quarters-ended September 30, 2023 and 2022 were $0.56 and $1.21, respecti.","evidence_excerpt":"Earnings per share, basic and diluted, for the quarters-ended September 30, 2023 and 2022 were $0.56 and $1.21, respectively.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/731122/000183988223028061/0001839882-23-028061-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months-ended September 30, 2023"},{"label":"EPS","value":"Earnings per share, basic and diluted, for the quarters-ended September 30, 2023 and 2022 were $0.56 and $1.21, respecti"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}