Journey Bank (FDIC #686): Bank Stress & Real-Estate Credit Exposure
Journey Bank (FDIC Cert #686): bank stress 51/100, moderate, STABLE over 7 days; parent MUNCY COLUMBIA FINANCIAL CORP (CCFN).
Journey Bank (#686) lends in 5 counties across 1 state; Journey Bank (#686) reaches 87 ZIP codes: Pennsylvania 5 counties, 87 ZIPs.
Journey Bank (#686) largest markets: Lycoming County, PA (240 branches, 30 ZIPs) (#686), Northumberland County, PA (56 branches, 28 ZIPs) (#686), Columbia County, PA (220 branches, 20 ZIPs) (#686), Clinton County, PA (16 branches, 16 ZIPs) (#686), Montour County, PA (10 branches, 10 ZIPs) (#686).
Journey Bank (#686) reports $1.67 billion in total assets; Journey Bank (#686) equity $194.4 million (11.6% of Journey Bank (#686) assets); Journey Bank (#686) domestic deposits $1.43 billion; Journey Bank (#686) net income $14.3 million; Journey Bank (#686) return on assets 1.69%; Journey Bank (#686) return on equity 15.00%; Journey Bank (#686) net interest income $33.2 million; Journey Bank (#686) call report June 30, 2026.
Journey Bank (#686) noncurrent real-estate loans: none reported; Journey Bank (#686) commercial real estate 0.37%; Journey Bank (#686) net charge-offs on real estate 0.75%; Journey Bank (#686) commercial charge-offs 0.31%; Journey Bank (#686) residential charge-offs 1.10%.
Journey Bank (#686) net interest margin 4.30% against an eight-quarter Journey Bank (#686) average of 3.91% (Journey Bank (#686) compression -0.38 points); Journey Bank (#686) commercial real estate 30.7% of equity; Journey Bank (#686) non-residential real estate 110.5% of equity; Journey Bank (#686) rate-exposure score 43/100, Journey Bank (#686) fixed-rate trap 43/100; Journey Bank (#686) risk type credit driven; Journey Bank (#686) rate regime rates elevated; Journey Bank (#686) shares 0.4% below the 52-week high, Journey Bank (#686) equity trend strong, Journey Bank (#686) snapshot October 20, 2026.
Journey Bank (#686) stress score moved from 52.2 on June 22, 2026 to 50.9 on October 20, 2026; Journey Bank (#686) ranged 50.9 to 52.2 over 117 snapshots.
Journey Bank (#686) alerts: 5 counties; top Journey Bank (#686) alert scores: Avis County, PA 19 (low); Danville County, PA 19 (low); Millville County, PA 19 (low); Watsontown County, PA 19 (low); Williamsport County, PA 19 (low).