MUNCY COLUMBIA FINANCIAL Business Summary

Muncy Columbia Financial Corp (CCFN) operates as the bank holding company for Journey Bank, a community-focused commercial institution formed through the 2023 merger-of-equals between CCFNB Bancorp and Muncy Bank Financial. The company generates revenue primarily through net interest income derived from a diverse portfolio of commercial, municipal, and residential real estate loans, as well as non-interest income from trust and fiduciary services, wealth management, and digital banking fees. Its primary business segments are centered on retail and commercial banking services across 22 offices in North Central Pennsylvania. CCFN competes directly with regional peers such as Chemung Financial Corp (CHMG), Commercial National Financial Corporation (CEFC), and LINKBANCORP Inc (LNKB), positioning itself as a high-performing community bank with a strong capital position, as evidenced by its record 2025 net income of $24.2 million. The leadership team is anchored by President and CEO Lance O. Diehl, who has led the organization since 2003 and holds an MBA from Lehigh University and a degree from the ABA Stonier Graduate School of Banking. He is supported by Chairman Robert J. Glunk, the former CEO of Muncy Bank Financial, and Executive Vice President and CFO Joseph K. O'Neill, Jr., a certified public accountant who previously served as CFO of Muncy Bank. Other key executives include Jeffery T. Arnold, who serves as Senior Executive Vice President and Chief Operating and Risk Officer. The Board of Directors is led by Independent Lead Director Bonnie M. Tompkins, ensuring robust governance for a company that remains well-capitalized following its strategic integration and recent special dividend distributions in early 2026.