# EDGAR Filing Document

**Accession Number:** 0000731122
**File Stem:** 0001174947-25-001148
**Filing Date:** 2025-8
**Character Count:** 8193
**Document Hash:** a23fad4a9c3c417d9af99e23713555de
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001174947-25-001148.hdr.sgml**: 20250812

**ACCESSION NUMBER**: 0001174947-25-001148

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 13

**CONFORMED PERIOD OF REPORT**: 20250812

**ITEM INFORMATION**: Other Events

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20250812

**DATE AS OF CHANGE**: 20250812

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** MUNCY COLUMBIA FINANCIAL Corp
- **CENTRAL INDEX KEY:** 0000731122
- **STANDARD INDUSTRIAL CLASSIFICATION:** STATE COMMERCIAL BANKS [6022]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 232254643
- **STATE OF INCORPORATION:** PA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 000-19028
- **FILM NUMBER:** 251205434

**BUSINESS ADDRESS:**
- **STREET 1:** 232 EAST ST
- **CITY:** BLOOMSBURG
- **STATE:** PA
- **ZIP:** 17815
- **BUSINESS PHONE:** 5707844400

**MAIL ADDRESS:**
- **STREET 1:** 232 EAST STREET
- **CITY:** BLOOMSBURG
- **STATE:** PA
- **ZIP:** 17815

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** CCFNB BANCORP INC
- **DATE OF NAME CHANGE:** 19920703

?xml version='1.0' encoding='ASCII'? MCFC 20250812

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**WASHINGTON, D.C. 20549**

**FORM 8-K**

**Current Report**

**Pursuant to Section 13 or 15(d) of**

**the Securities Exchange Act of 1934**

**August 12, 2025**

Date of Report (Date of earliest event reported)

**MUNCY COLUMBIA FINANCIAL CORPORATION**

(Exact name of registrant as specified in its charter)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**<u>Pennsylvania</u>** | &nbsp;&nbsp;**<u>000-19028</u>** | &nbsp;&nbsp;**<u>23-2254643</u>** |
| &nbsp;&nbsp; (State or other jurisdiction of<br> incorporation) | &nbsp;&nbsp; (Commission<br> File Number) | &nbsp;&nbsp; (I.R.S. Employer<br> Identification No.) |

---

**232 East Street**

**Bloomsburg, PA 17815**

(Address of principal executive offices)

**570-784-4400**

(Registrant's telephone number, including area code)

**N/A**

(Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4 (c))

Securities registered pursuant to Section 12(b) of the Exchange Act:

---

| | | |
|:---|:---|:---|
| **<u>Title of each class</u>** | **<u>Trading Symbol(s)</u>** | **<u>Name of each exchange on which registered</u>** |

---

Indicated by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR 230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR 240.12b-2) ☐

If an emerging growth company, indicate by check mark if registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act ☐

**ITEM 8.01 OTHER EVENTS**

On August 12, 2025, Muncy Columbia Financial Corporation issued a press release titled "Muncy Columbia Financial Corporation Declares Dividend" attached as Exhibit 99.1 to this Current Report on Form 8-K and incorporated herein by reference.

**ITEM 9.01 FINANCIAL STATEMENTS AND EXHIBITS**

(a) Not applicable

(b) Not applicable

(c) Not applicable

**(**d) Exhibits.

---

| | |
|:---|:---|
| Exhibit Number | Description |
| 99.1 | [Press Release issued by Muncy Columbia Financial Corporation on August 12, 2025 titled "Muncy Columbia Financial Corporation Declares Dividend"](ex99-1.htm) |
| 104 | Cover Page Interactive Data File (embedded in the cover page formatted in Inline XBRL) |

---

**SIGNATURE**

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.

---

| | | |
|:---|:---|:---|
| Date: August 12, 2025 | Muncy Columbia Financial Corporation | Muncy Columbia Financial Corporation |
|  | By: | /s/ Joseph K. O'Neill, Jr. |
|  | Name: | Joseph K. O'Neill, Jr. |
|  | Title: | Executive Vice President and Chief Financial Officer |

---

## Exhibit 99.1

**Exhibit 99.1**

**Press Release – For Immediate Release**

**August 12, 2025**

**Muncy Columbia Financial Corporation Declares Dividend** 

Bloomsburg, PA – Muncy Columbia Financial Corporation ("Corporation") (OTCQX: CCFN), parent company of Journey Bank ("Bank"), announced that on August 12, 2025, the Corporation's Board of Directors declared a regular quarterly cash dividend.

**Dividend Declared** 

On August 12, 2025, the Corporation's Board of Directors declared a regular quarterly cash dividend of $0.45 per share for the third quarter of 2025. The dividend is payable on September 11, 2025, to shareholders of record as of August 26, 2025. The third quarter 2025 dividend of $0.45 per share represents an increase of $0.01 per share compared to the third quarter 2024 dividend of $0.44 per share. Year-to-date dividends declared in 2025 total $1.85 per share, including a $0.50 per share special one-time dividend, compared to $1.32 per share for the same period in 2024.

**About Muncy Columbia Financial Corporation** 

Muncy Columbia Financial Corporation ("MCFC") is a registered financial holding company headquartered in Bloomsburg, Pennsylvania. MCFC has one subsidiary bank, Journey Bank, serving individuals, families, nonprofits and business clients throughout Clinton, Columbia, Lycoming, Montour, Northumberland and Sullivan Counties through 22 banking offices.

**Cautionary Note Regarding Forward Looking Statements**

This press release contains forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. Forward-looking statements are not statements of current or historical fact and involve substantial risks and uncertainties. Words such as "anticipates," "believes," "estimates," "expects," "forecasts," "intends," "plans," "projects," "may," "will," "should," and other similar expressions can be used to identify forward-looking statements. Such statements are subject to factors that could cause actual results to differ materially from anticipated results. Among the risks and uncertainties that could cause actual results to differ from those described in the forward-looking statements include, but are not limited to the following: changes in general economic trends, including inflation and changes in interest rates; our ability to manage credit risk; our ability to maintain an adequate level of allowance for credit loss on loans; increased competition; changes in consumer demand for financial services; our ability to control costs and expenses; fluctuations in the values of securities held in our securities portfolio, including as a result of changes in interest rates; our ability to successfully manage liquidity risk; adverse developments in borrower industries and, in particular, declines in real estate values; the concentration of large deposits from certain customers who have balances above current FDIC insurance limits; changes in and compliance with federal and state laws that regulate our business and capital levels; our ability to raise capital as needed; and any other risks described in the "Risk Factors" sections of reports filed by the Corporation with the Securities and Exchange Commission. We do not undertake, and specifically disclaim, any obligation to publicly revise any forward-looking statements to reflect the occurrence of anticipated or unanticipated events or circumstances after the date of such statements, except as required by law. Accordingly, you should not place undue reliance on forward-looking statements.