v3.25.3

Consolidated Balance Sheets (Unaudited) - USD ($) $ in Thousands	Sep. 30, 2025	Dec. 31, 2024
ASSETS
Cash and due from banks	$ 13,640	$ 11,200
Interest-bearing deposits in other banks	31,686	6,180
Total cash and cash equivalents	45,326	17,380
Available-for-sale debt securities, at fair value	317,800	323,248
Marketable equity securities, at fair value	1,383	1,355
Restricted investment in bank stocks, at cost	5,442	7,095
Loans held for sale	1,520	1,691
Loans receivable	1,169,857	1,125,937
Allowance for credit losses	(10,548)	(9,858)
Loans, net	1,159,309	1,116,079
Premises and equipment, net	26,496	26,484
Foreclosed assets held for sale	70	70
Accrued interest receivable	5,132	4,850
Bank-owned life insurance	41,515	40,953
Investment in limited partnerships	4,532	5,092
Deferred tax asset, net	7,032	10,012
Goodwill	25,609	25,609
Other intangible assets, net	8,533	10,047
Other assets	5,251	5,993
TOTAL ASSETS	1,654,950	1,595,958
LIABILITIES
Interest-bearing deposits	1,124,514	1,032,729
Noninterest-bearing deposits	272,376	259,700
Total deposits	1,396,890	1,292,429
Short-term borrowings	16,893	68,388
Long-term borrowings	40,519	55,536
Accrued interest payable	1,779	1,857
Other liabilities	14,384	11,338
TOTAL LIABILITIES	1,470,465	1,429,548
STOCKHOLDERS' EQUITY
Common stock, par value $1.25 per share; 15,000,000 shares authorized; issued 3,844,702 and outstanding 3,535,977 at September 30, 2025; issued 3,841,438 and outstanding 3,532,713 at December 31, 2024	4,806	4,802
Additional paid-in capital	83,682	83,543
Retained earnings	113,562	103,268
Accumulated other comprehensive loss	(6,258)	(13,896)
Treasury stock, at cost; 308,725 shares at September 30, 2025 and December 31, 2024	(11,307)	(11,307)
TOTAL STOCKHOLDERS' EQUITY	184,485	166,410
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 1,654,950	$ 1,595,958

Interest, dividends, rents, ancillary and other revenues earned but not yet received by the entity on its investments.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 210
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02(3)(a)(4))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1

Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 942
-SubTopic 210
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03(10))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 944
-SubTopic 210
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-03(a)(4))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1

MUNCY COLUMBIA FINANCIAL Corp 10-Q