Juniata Valley Financial Q2 FY26 net income rises 32% to $2.5 million; EPS climbs to $0.50
JUVF•Balance sheet growth and asset quality
Total assets rose 2.6% since year-end to $918.9 million; loans grew 5.8% to $636.2 million.
Deposits increased 3.1% to $805.7 million; non-accrual loans fell to $301,000, leaving a 0.05% non-performing loan ratio.
Quarterly earnings increase 32% year over year
Juniata Valley Financial posted second-quarter net income of $2.5 million, up 32% year over year; earnings per share rose to $0.50.
Net interest income climbed 20% to $7.4 million, lifting tax-equivalent net interest margin by 41 basis points to 3.36%.
Credit costs rise while non-interest income declines
Provision for credit losses increased to $376,000 from a year earlier, while non-interest income fell 5.8% to $1.4 million.
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