# Muncy Columbia Financial Reports Q3 2026 Net Income of $6.04 Million

- URL: https://stocks.freetheai.org/news/muncy-columbia-financial-reports-q3-2026-net-income-of-6-04-million-9fecde
- Published: 2026-10-19T19:03:00Z
- Category: earnings; sentiment: mixed; impact: medium
- Symbols: [OTC:CCFN](https://stocks.freetheai.org/symbols/OTC-CCFN)
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Muncy Columbia Financial Corporation (OTC:CCFN) reported third-quarter 2026 net income of $6.04 million, or $0.57 per share, down from $6.72 million, or $0.63 per share, in the third quarter of 2025. The profit decline was primarily driven by $2.40 million in realized losses from selling available-for-sale debt securities, along with an increase in credit loss provisions to $942,000.

Despite lower overall net profit, core interest income expanded. Net interest income rose to $17.63 million, supported by a fully-tax-equivalent net interest margin of 4.54%, up from 4.15% in the prior-year period. Management sold lower-yielding securities during the quarter to reinvest into higher-yielding assets to help strengthen future interest revenue and margins.

Investors will monitor whether the debt security reinvestment strategy delivers higher interest yields in coming quarters. Key financial metrics to watch include deposit momentum, with total deposits reaching $1.47 billion as of September 30, 2026, and loan portfolio health, with the allowance for credit losses representing 0.91% of total loans. The company declared a quarterly cash dividend of $0.155 per share.

## Key points

- Q3 2026 net income reached $6.04 million, or $0.57 per share, compared to $6.72 million, or $0.63 per share, in Q3 2025.
- Net interest income grew to $17.63 million as fully-tax-equivalent net interest margin expanded to 4.54%.
- Non-interest income fell due to $2.40 million in realized losses from selling available-for-sale debt securities.
- The quarterly cash dividend was set at $0.155 per share, with book value per share at $18.18 as of September 30, 2026.

## Questions and answers

### What were Muncy Columbia Financial's Q3 2026 earnings?

Muncy Columbia Financial reported net income of $6.04 million, or $0.57 per share, for Q3 2026, down from $6.72 million, or $0.63 per share, in Q3 2025.

### Why did Muncy Columbia Financial's net income drop in Q3 2026?

Earnings declined mainly due to $2.40 million in realized losses from selling available-for-sale debt securities to reinvest in higher-yielding assets, alongside higher credit loss provisions.

### What is the Q3 2026 dividend for Muncy Columbia Financial?

The company declared a quarterly cash dividend of $0.155 per share for the third quarter of 2026.