| Balance Sheets | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Cash and due from banks | 5,486 | 5,719 | 5,585 | 4,874 |
| Interest bearing deposits with banks | 6,426 | 5,729 | 4,893 | 7,237 |
| Cash and cash equivalents | 11,912 | 11,448 | 10,478 | 12,111 |
| Equity securities | 1,331 | 1,273 | 1,218 | 1,154 |
| Debt securities available for sale | 54,755 | 55,600 | 61,460 | 64,231 |
| Debt securities held to maturity (fair value 179,984 and 182,773, respectively) | 180,148 | 182,205 | 184,557 | 187,174 |
| Restricted investment in bank stock | 2,496 | 2,522 | 2,508 | 2,283 |
| Total loans | 610,113 | 601,378 | 577,722 | 556,319 |
| Less allowance for credit losses | 7,265 | 7,083 | 6,834 | 6,622 |
| Total loans, net of allowance for credit losses | 602,848 | 594,295 | 570,888 | 549,697 |
| Premises and equipment, net | 9,311 | 9,256 | 9,171 | 9,177 |
| Mortgage servicing rights | NaN | 60 | 62 | 65 |
| Bank owned life insurance and annuities | 16,016 | 15,947 | 15,990 | 16,009 |
| Investment in low-income housing partnerships | 429 | 510 | 591 | 671 |
| Core deposit and other intangible assets | 176 | 190 | 207 | 223 |
| Goodwill | 9,812 | 9,812 | 9,812 | 9,812 |
| Deferred tax asset, net | 7,901 | 8,198 | 8,547 | 9,004 |
| Accrued interest receivable and other assets | 4,762 | 3,947 | 4,978 | 4,823 |
| Total assets | 901,897 | 895,263 | 880,467 | 866,434 |
| Non-interest bearing | 209,976 | 209,865 | 207,419 | 192,629 |
| Interest bearing | 578,665 | 571,934 | 568,159 | 566,678 |
| Total deposits | 788,641 | 781,799 | 775,578 | 759,307 |
| Short-term borrowings and repurchase agreements | 46,534 | 49,906 | 42,744 | 49,720 |
| Long-term debt | NaN | 0 | 0 | 0 |
| Other interest bearing liabilities | 655 | 720 | 713 | 776 |
| Accrued interest payable and other liabilities | 6,024 | 5,465 | 6,431 | 4,250 |
| Total liabilities | 841,854 | 837,890 | 825,466 | 814,053 |
| Preferred stock, no par value authorized - 500,000 shares, none issued | 0 | 0 | 0 | 0 |
| Common stock, par value 1.00 per share authorized 20,000,000 shares issued - 5,151,279 shares at december 31, 2025 and december 31, 2024 outstanding - 5,018,799 shares at december 31, 2025 and 5,003,384 shares at december 31, 2024 | 5,151 | 5,151 | 5,151 | 5,151 |
| Surplus | 24,622 | 24,820 | 24,781 | 24,741 |
| Retained earnings | 58,389 | 56,696 | 55,793 | 54,840 |
| Accumulated other comprehensive loss | -26,201 | -27,154 | -28,584 | -30,211 |
| Cost of common stock in treasury 132,480 shares at december 31, 2025 147,895 shares at december 31, 2024 | 1,918 | 2,140 | 2,140 | 2,140 |
| Total stockholders' equity | 60,043 | 57,373 | 55,001 | 52,381 |
| Total liabilities and stockholders' equity | 901,897 | 895,263 | 880,467 | 866,434 |
JUNIATA VALLEY FINANCIAL CORP (JUVF)
JUNIATA VALLEY FINANCIAL CORP (JUVF)