| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Interest income | NaN | 10,252 | NaN | NaN |
| Other revenues | NaN | 1,429 | NaN | NaN |
| Total consolidated revenues | NaN | 11,681 | NaN | NaN |
| Interest expense | NaN | 3,449 | NaN | NaN |
| Segment net interest income and noninterest income | NaN | 8,232 | NaN | NaN |
| Provision for credit losses | NaN | 254 | NaN | NaN |
| Employee compensation and benefits expense | NaN | 3,118 | NaN | NaN |
| Other segment items | NaN | 2,519 | NaN | NaN |
| Income tax expense (benefit) | NaN | 333 | NaN | NaN |
| Net income | 2,797 | 2,008 | 2,056 | 3,919 |
| Provision for credit losses | 180 | 254 | 216 | 453 |
| Depreciation | 209 | 205 | 199 | 394 |
| Mortgage servicing right adjustment | NaN | -2 | -3 | -4 |
| Net amortization of securities premiums | -10 | -12 | -21 | -59 |
| Gain from life insurance proceeds | NaN | 10 | 0 | 20 |
| Net amortization of loan origination costs | -36 | -14 | -129 | 54 |
| Deferred net loan origination costs | 159 | 186 | 164 | 330 |
| Amortization of intangibles | 14 | 17 | 16 | 35 |
| Amortization of investment in low-income housing partnerships | 81 | 81 | 80 | 161 |
| Net amortization of purchase fair value adjustments | -8 | -59 | 43 | -18 |
| Change in value of equity securities | 58 | 55 | 64 | 12 |
| Earnings on bank owned life insurance and annuities | 69 | 73 | 71 | 119 |
| Deferred income tax (benefit) expense | 36 | -25 | -15 | 11 |
| Stock-based compensation expense | 41 | 39 | 40 | 75 |
| Decrease in accrued interest receivable and other assets | -769 | 1,021 | -125 | -31 |
| Increase in accrued interest payable and other liabilities | 494 | -959 | 2,118 | -1,192 |
| Net cash provided by operating activities | 2,835 | 2,286 | 4,482 | 3,335 |
| Life insurance claims | NaN | 129 | 104 | 243 |
| Restricted stock | 0 | -5 | 5 | 0 |
| Premises and equipment | 264 | 239 | 194 | 188 |
| Bank owned life insurance | NaN | 0 | 0 | 890 |
| Bank owned life insurance premium and annuity payments | 0 | 3 | 14 | 9 |
| Redemption of equity securities | 0 | 0 | 0 | 46 |
| Maturities of and principal repayments on securities available for sale | 936 | 6,502 | 3,643 | 2,006 |
| Maturities of and principal repayments on securities held to maturity | 3,170 | 3,516 | 3,793 | 6,733 |
| Redemption of restricted stock | 26 | -19 | -220 | 247 |
| Sale of fixed assets | 0 | 46 | 0 | 4 |
| Sale of other assets | NaN | 0 | 0 | NaN |
| Net increase in loans | 8,588 | 23,431 | 21,414 | 22,063 |
| Net cash (used in) provided by investing activities | -4,720 | -13,594 | -14,307 | -13,871 |
| Net increase (decrease) in deposits | 6,842 | 6,221 | 16,271 | 11,350 |
| Net increase (decrease) in short-term borrowings and securities sold under agreements to repurchase | -3,372 | 7,162 | -6,976 | 7,478 |
| Repayment of long-term debt | NaN | 0 | 0 | 5,000 |
| Treasury stock issued for employee stock plans | NaN | 0 | 0 | 30 |
| Cash dividends | 1,104 | 1,105 | 1,103 | 2,205 |
| Purchase of treasury stock | 17 | 0 | 0 | 4 |
| Net cash provided by (used in) financing activities | 2,349 | 12,278 | 8,192 | 11,649 |
| Net increase (decrease) in cash and cash equivalents | 464 | 970 | -1,633 | 1,113 |
| Cash and cash equivalents at beginning of year | 11,448 | 10,478 | 10,998 | NaN |
| Cash and cash equivalents at end of period | 11,912 | 11,448 | 10,478 | NaN |
JUNIATA VALLEY FINANCIAL CORP (JUVF)
JUNIATA VALLEY FINANCIAL CORP (JUVF)