Muncy Columbia Financial Corp
ir.journeybank.comWhat Do They Do?
Provides deposit accounts and loans, along with trust and brokerage services, to individuals, businesses and local governments.
10-K for FY2025, filed Mar 6, 2026
How Do They Make Money?
The bank earns interest on loans and investments and receives fees from trust and brokerage services, deposit accounts and customer transactions. Trust fees are billed monthly or quarterly and charged after month-end; transaction fees are received when the requested service is completed.
10-K for FY2025, filed Mar 6, 2026Under Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) Topic 606, management determined that the…View ↗
Trust and Brokerage fees – Trust and investment advisory income is primarily comprised of fees earned from the management and…View ↗
Service charges and fees – The Corporation has contracts with its deposit account customers where fees are charged if certain parameters…View ↗
Interchange fees - The Corporation issues debit cards to consumer and business customers with checking deposit accounts. Debit card and ATM…View ↗
$88M
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10-K for FY2025, filed Mar 6, 2026
$88M ↗
Who Are Their Customers?
Individuals, businesses and government customers use Journey Bank’s branches and remote channels for deposits, loans and other banking services; trust and investment services are also offered.
10-K for FY2025, filed Mar 6, 2026The Community Banking segment derives revenues from traditional banking and related financial services to individual, business and…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 28 cents of every revenue dollar as net income in FY2025 and turned 25 cents into free cash flow.
How Are They Changing?
Growing. Revenue grew 3.3x in 3 years, from $26.4M in FY2022 to $88M in FY2025, about 49% a year.
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