The Juniata Valley Bank
Mifflintown, Pennsylvania, Juniata County
$918M in total assets, the 1,148th largest of 4,309 US banks and 49th of 113 headquartered in Pennsylvania.
- FDIC certificate
- 7614
- Established
- 1867
- Owned by
- Juniata Valley Financial Corp
- Primary regulator
- FDIC
- Website
- www.jvbonline.com
At a glance
Compared with 56 banks headquartered in Pennsylvania with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $918M | 95% | $428M | |
| Loans | $636M | 96% | $276M | |
| Deposits | $806M | 98% | $367M | |
| Return on assets | 1.04% | 64% | 0.88% | |
| Net interest margin | 3.47% | 59% | 3.34% | |
| Efficiency ratio | 60.2% | 29% | 72.0% | |
| Equity to assets | 6.70% | 9% | 11.32% | |
| Loans to deposits | 79% | 48% | 79% |
Growth
Total assets grew 1.9% a year over the last 5 years and 4.9% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Apr 2018 | Liverpool Community Bank Liverpool, PA, an affiliate under the same holding company | $46M |
| Dec 2015 | The First National Bank of Port Allegany Port Allegany, PA | $91M |
| Jul 1998 | Lewistown Trust Company Lewistown, PA | $116M |
Where they operate
14 branches in 6 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Juniata County, PA | $298M | 41.7% | 1 of 4 |
| Mifflin County, PA | $256M | 23.4% | 2 of 4 |
| Perry County, PA | $114M | 12.9% | 3 of 5 |
| Mckean County, PA | $53M | 5.7% | 4 of 5 |
| Franklin County, PA | $49M | 1.4% | 6 of 9 |
| Potter County, PA | $37M | 10.8% | 4 of 4 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 1 branch since 2016 (15 to 14, −6.7%). 1 opened, 1 acquired, 3 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 15 | |||
| 2018 | Acquired Liverpool Community Bank | 1 | 0 | +1 | 16 |
| 2022 | Closed Port Allegany | 0 | 1 | −1 | 15 |
| 2023 | Opened Spring RunClosed Blairs Mills | 1 | 1 | 0 | 15 |
| 2024 | Closed Lewistown | 0 | 1 | −1 | 14 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 30% | 24% | |
| 1-4 family residential | 28% | 55% | |
| Construction and land | 12% | 3% | |
| Business (C&I) | 11% | 6% | |
| Multifamily | 8% | 5% | |
| Farmland | 6% | 3% | |
| Agricultural | 1% | 0% | |
| Consumer | 0% | 3% | |
| Other | 4% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 46% | 42% | |
| Time deposits | 28% | 40% | |
| Noninterest-bearing | 26% | 18% |
Brokered deposits are 0.0% of deposits (peers 2.6%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.03% | 0.63% |
| Net charge-offs, annualized | 0.00% | 0.00% |
| Reserves to loans | 1.20% | 0.88% |
| Leverage ratio | 8.56% | 11.89% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Pennsylvania
Largest competitors in Juniata County, PA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/juniata-valley