Muncy Columbia Financial Corporation · OTC:CCFN
Muncy Columbia Financial — Shareholder Meeting (April 2026)
38 slides from Muncy Columbia Financial's shareholder meeting presentation, Apr 24, 2026
Slide 1: Annual Meeting of Shareholders April 23, 2026
Annual Meeting of Shareholders April 23, 2026
Slide 2: Cautionary Statement Regarding Forward-Looking Information
CAUTIONARY STATEMENT REGARDING FORWARD - LOOKING INFORMATION This presentation contains forward - looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 , as amended, regarding our outlook or expectations relating to our future business, operations, financial c
Slide 3: Bank Counsel
Bank Counsel Dean H. Dusinberre , Esquire Stevens & Lee 3
Slide 4: Independent Registered Public Accountants
Independent Registered Public Accountants Gregory J. Faulk, CPA, MBA Assurance Principal S.R. Snodgrass, P.C. Brendan Whalen, CPA Assurance Principal S.R. Snodgrass, P.C. 4
Slide 5: 2025 Financial Review
2025 Financial Review 5
Slide 6: Historical Treasury Yield Curve 1960 to Present
Historical Treasury Yield Curve 1960 to Present Yield as of March 2025 1yr – 4.06% 3yr – 3.96% 10 yr – 4.28% Yield as of March 2024 1yr – 4.99% 3yr – 4.38% 10 yr – 4.21% Yield as of March 2023 1yr – 4.68% 3yr – 4.09% 10 yr – 3.66% Yield as of March 2022 1yr – 1.34% 3yr – 2.09% 10 yr – 2.13% Prime Le
Slide 7: Deposits, Assets, Investments
Deposits, Assets, Investments (In Millions) $0 $250 $500 $750 $1,000 $1,250 $1,500 $1,750 2021 2022 2023 2024 2025 Deposits - $1.413 Billion Assets - $1.673 Billion Investments - $334.1 Million 7
Slide 8: Loans (Gross, In Millions)
Loans (Gross, In Millions) $0 $100 $200 $300 $400 $500 $600 $700 $800 $900 $1,000 $1,100 $1,200 2021 2022 2023 2024 2025 2025 $1.178 Billion 2024 $1.128 Billion 8
Slide 9: Loan Delinquencies and Non-Accruals
0.60% at 12/31/21 0.67% at 12/31/22 1.58% at 12/31/23 1.84% at 12/31/24 1.61% at 12/31/25 Allowance for Credit Losses: $9.959 million at 12/31/25 Loan Delinquencies and Non - Accruals 9 1.05% at 03/31/26 (1) Delinquency and Non - Accrual amounts are derived from Call Report Schedule RC -
Slide 10: Net Income
Net Income (In Thousands) $0 $2,000 $4,000 $6,000 $8,000 $10,000 $12,000 $14,000 $16,000 $18,000 $20,000 $22,000 $24,000 $26,000 2021 2022 2023 2024 2025 2025 Net Income $24.2 Million 2025 Return on Average Assets (ROAA) 1.49% 2024 Net Income $19.0 Million 2024 Return on Average Assets (ROAA) 1.19%
Slide 11: Net Interest Margin
Net Interest Margin 2025 2024 2023 2022 2021 4.08% 3.46% 2.34% 2.55% 2.58% Net Interest Margin * * Represents net interest income as a percentage of average total interest - earning assets, calculated on a tax - equivalent basis. 11
Slide 12: Financial Services/Brokerage Total Revenue
Financial Services/Brokerage Total Revenue $100,000 $200,000 $300,000 $400,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 2021 2022 2023 2024 2025 $599,000 $597,000 $ 636,000 $ 807,000 $ 938,000 12
Slide 13: Trust Services Total Revenue
Trust Services Total Revenue ** $100,000 $200,000 $300,000 $400,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 $1,100,000 $1,200,000 2021 2022 2023 2024 2025 $901,000 * $845,000 * $885,000 * $943,000 * $1,111,000 * * Includes Estate Administration Revenue of: $8,750 25,959 $67,250 $19,4
Slide 14: Stockholders' Equity
Stockholders’ Equity (In Millions) $0 $20 $40 $60 $80 $100 $120 $140 $160 $180 $200 2021 2022 2023 2024 2025 Equity $192.5 Million Total Equity before AOCI $196.6 Million 14
Slide 15: Per Share Data
Per Share Data 2025 2024 2023 2022 2021 $6.85 $5.33 $1.49 $4.58 $4.53 Earnings per share (1) $2.30 ($0.50 per share special dividend May 22, 2025) $1.76 $1.71(2) $1.67 $3.13 ($1.50 per share special dividend July 22, 2021) Cash dividends declared per share $54.44 $47.11 $43.09 $41.34 $50.21 Book val
Slide 16: Competitors of Interest – Stock Values
Competitors of Interest – Stock Values Within 25 - mile radius of Journey Bank branch and $1.0 - $3.0 Billion in Total Assets Price Change 2025 vs. 2026 (%) April 16, 2026 April 16, 2025 November 10, 2023 (CCFN/MYBF Merger) Financial Institution 72.6%* $66.90 $38.75 $37.00 CCFN - Share Price (Dail
Slide 17: Cash Dividends Per Share
Cash Dividends Per Share $0.00 $0.10 $0.20 $0.30 $0.40 $0.50 $0.60 $0.70 $0.80 $0.90 $1.00 $0.45 $0.50 $0.45 $0.45 $0.45 $0.46 $1.00 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Special Dividend Special Dividend Q1 2025 2025 $2.30 2026 $2.84 (Annualized) 2025 Special Dividend Record Date: May 7, 2026 Payable Dat
Slide 18: Three-For-One Stock Split
Three - For - One Stock Split This morning, the Board of Directors approved and declared a three - for - one stock split in the form of a 200% stock dividend on its outstanding shares of common stock. Each shareholder of record as of the close of business on May 7, 2026, will receive two additio
Slide 19: Journey Bank Locations
Journey Bank Locations 19
Slide 20: Loyalsock Township – Future Branch Location
Loyalsock Township – Future Branch Location 20 1520 Washington Blvd and 300 Shiffler Ave, Williamsport
Slide 21: Signature Event – Journey Bank Teen Star Musical Competition
Signature Event – Journey Bank Teen Star Musical Competition 16 Continuous Years 221 Finalists $75,000 in Prize Money $56,000 to Local High School Music Departments Sunday, April 26 th at 2:00 PM Haas Auditorium Commonwealth University – Bloomsburg Tickets $5 in advance; $7 at door 21
Slide 22: Journey Bank Ballpark At Historic Bowman Field
Journey Bank Ballpark At Historic Bowman Field 22
Slide 23: Journey Bank Community Arts Center
Journey Bank Community Arts Center 23
Slide 24: Chris Herren – Addiction / Resilience / Recovery
Chris Herren Addiction / Resilience / Recovery 16 Schools (approximately 9,000 students ) Bloomsburg Fairgrounds Public Presentation on March 12, 2026 Future presentation at Journey Bank Community Arts Center on October 29 , 2026 24
Slide 25: Director Retirement Robert Rabb
Director Retirement Robert Rabb 04/22/2025 – 04/22/2026 Previously 09/12/1989 – 02/13/2024 35 years 25
Slide 26: Senior Management Retirement Tammy L. Gunsallus
Senior Management Retirement Tammy L. Gunsallus Senior Executive Vice President of Retail, Operations and Mortgage 2016 - 12/31/2025 43 year banking career 26
Slide 27: Executive Leadership Team
Executive Leadership Team 27
Slide 28: Jeffrey T. Arnold, Chief Operating and Risk Officer
Jeffrey T. Arnold Senior EVP and Chief Operating and Risk Officer » Increasing Reliance on Third - Party Vendors • Limit speed to market on new products and digital abilities • Elevates oversight risk • Mitigation Efforts » Fraud • Increased risk in traditional banking products • AI improved Social
Slide 29: Matthew E. Beagle, Chief Wealth Management Officer
» Provide non - FDIC Insured Investments: • Mutual Funds, Stocks, Annuities, Life Insurance, and Financial Planning » Team of four advisors with two administrators, with advisor - ready customer service » Investment Center Progress • Grown from a commission - based revenue roller coaster to recurrin
Slide 30: Jason A. Fischer, Chief Credit Officer
Jason A. Fischer EVP and Chief Credit Officer » Responsible for the overall credit risk health of the bank • Oversee approval process & loan committee • Monitor health of the loan portfolio • Ensure compliance • Balance independence with lender partnerships • “Are we taking the right risks – and man
Slide 31: Loni N. Kline, Chief Growth Officer
» Responsibilities Accelerate growth across departments by aligning data analysis, marketing strategy, and customer engagement for the good of our bank and the communities we serve. » Market Realities Competition intensifying • Customer interactions evolving • Digital standards rising » Strategic Ev
Slide 32: Jessica M. Lehman, Trust Director
Jessica M. Lehman EVP and Trust Director » Responsibilities: • Administer Trusts/Estates • Manage Investment Accounts and Self - Directed IRAs • Orchestrate Scholarship Fund Distributions • Ensure proper administration of assets when Financial Power of Attorney » Challenges: • Educating the public o
Slide 33: Stephanie A. Oakes, Chief Operations Officer
Stephanie A. Oakes EVP and Chief Operations Officer » Information Technology (IT), Deposit Operations, E - Banking, Commercial Services, & Customer Support » Challenges » Evolving Threats » Artificial Intelligence, Social Engineering, Employee Awareness » Evolving Technology » Costs, Security, Balan
Slide 34: Joseph K. O'Neill, Jr., Chief Financial Officer
Joseph K. O’Neill, Jr. EVP and Chief Financial Officer $0 $10 $20 $30 $40 $50 $60 $41.69 $43.08 $47.11 $54.44 $54.29 $37.87 $32.58 $37.01 $44.93 $44.91 Gross Book Value Tangible Book Value Muncy Merger Dated November 11, 2023 Tangible book value dilution earn back period was estimated at 3.25 years
Slide 35: Kevin E. Weinhoffer, Chief Commercial Officer
Kevin E. Weinhoffer EVP and Chief Commercial Officer 2025 Commercial Lending Year in Review » 1/1/2025 $631,564,000 6.422% Yield » 12/31/2025 $665,774,000 6.607% Yield » $34,210,000 Growth (5.4%) 18.5bps Increase in Yield » Reasons for Our Success » Team of 12 Commercial Lenders with experience rang
Slide 36: Jeffrey A. Whitenight, Chief Banking Officer
Jeffrey A. Whitenight EVP and Chief Banking Officer » Areas of Responsibility • Branches (22 currently) • Loan Operations • Collections • Mortgage Originators • Facilities » Strong Team Across the Bank » Challenges • Staffing • Loan systems and processes » Continued Assessment of Branch Expansion/Ef
Slide 37: Questions?
Questions? ————S—
Slide 38: Thank you for attending the 2026 Annual Meeting of Shareholders
Thank you for attending the 2026 Annual Meeting of Shareholders 38
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