---
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"
generated_at: "2026-06-09T15:13:26.074876+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# CCFNB Q3 net income down 53.5% to $1.17M; EPS $0.56 vs $1.21 a year ago

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001839882-23-028061
- JSON: https://secwatch.observer/filing/0001839882-23-028061.json
- Plain text: https://secwatch.observer/filing/0001839882-23-028061.txt

## Key facts
- Earnings Releases
  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.
  - Period: the nine months-ended September 30, 2023
  - EPS: Earnings per share, basic and diluted, for the nine months-ended September 30, 2023 and 2022 were $2.20 and $3.33, respe
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/731122/000183988223028061/0001839882-23-028061-index.htm
- Earnings Releases
  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.
  - Period: the nine months-ended September 30, 2023
  - EPS: Earnings per share, basic and diluted, for the nine months-ended September 30, 2023 and 2022 were $2.20 and $3.33, respe
  - Result: reported results
  source text: Earnings per share, basic and diluted, for the nine months-ended September 30, 2023 and 2022 were $2.20 and $3.33, respectively.
  evidence_url: https://www.sec.gov/Archives/edgar/data/731122/000183988223028061/0001839882-23-028061-index.htm
- Earnings Releases
  MUNCY COLUMBIA FINANCIAL Corp reported the quarter-ended September 30, 2023 results: net income $1,171,000, EPS $0.56.
  - Period: the quarter-ended September 30, 2023
  - Net income: $1,171,000
  - EPS: $0.56
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/731122/000183988223028061/0001839882-23-028061-index.htm
- Earnings Releases
  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.
  - Period: the three months-ended September 30, 2023
  - EPS: Earnings per share, basic and diluted, for the quarters-ended September 30, 2023 and 2022 were $0.56 and $1.21, respecti
  - Result: reported results
  source text: Earnings per share, basic and diluted, for the quarters-ended September 30, 2023 and 2022 were $0.56 and $1.21, respectively.
  evidence_url: https://www.sec.gov/Archives/edgar/data/731122/000183988223028061/0001839882-23-028061-index.htm

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