JUNIATA VALLEY FINANCIAL Business Summary

Juniata Valley Financial Corp (JUVF) operates as the bank holding company for The Juniata Valley Bank, a community-focused financial institution founded in 1867. The company generates revenue primarily through net interest income derived from a diverse portfolio of commercial, consumer, and mortgage loans, as well as non-interest income from its Trust and Investment Management division, service charges, and electronic banking fees. Its primary business segments include Community Banking—offering retail and commercial deposit and lending products—and Wealth Management services. JUVF maintains a strategic physical footprint across Central and Northern Pennsylvania, recently expanding into the Belleville market and the Centre County region to capture regional growth. In the competitive landscape, JUVF contends with regional peers such as Kish Bancorp (KISB), Fulton Financial (FULT), and Northwest Bancshares (NWBI), positioning itself as a high-touch, relationship-driven alternative to larger commercial banks by leveraging deep local market expertise and a conservative credit profile. The leadership team is anchored by President and CEO Marcie A. Barber, who has led the company since 2010 and brings over 40 years of banking experience, including a 16-year tenure at Mellon Bank and executive roles at the First National Bank of Mifflintown. She is supported by Executive Vice President and CFO Michael W. Wolf, who joined in 2021 with nearly 30 years of financial sector experience, including senior roles at Northwest Bancshares and Dollar Bank. The board of directors, chaired by Martin L. Dreibelbis, features notable figures such as Joseph B. Scarnati III, the former President Pro-Tempore of the Pennsylvania Senate, and Steven C. Sliver, the former CEO of Mutual Benefit Group. This leadership core is characterized by extensive regional pedigree and a focus on disciplined loan pricing and core deposit growth, which drove a 28.2% increase in net income for the 2025 fiscal year.