TellerScore

Journey Bank (FDIC certificate #686) is based in Bloomsburg, Pennsylvania. Its Q2 2026 call report shows $1.7B in total assets and $1.4B in deposits and 23 offices.

Based on its Q2 2026 filing, Journey Bank scores 71/100, which we describe as strong. That is higher than 63% of 897 banks with $1 billion – $10 billion. Among 110 banks headquartered in Pennsylvania, it ranks 39th. Its strongest component is problem-loan coverage (91/100; 4.3%), and its lowest is capital cushion (52/100; 10.22%).

TellerScore · Q2 2026

Scorecard

Capital cushion52/100
Tier 1 leverage ratio: 10.22%
Loan quality75/100
Noncurrent loans ÷ total loans: 0.74%
Earnings88/100
Return on assets (annualized): 1.69%
Funding & liquidity63/100
Loans ÷ deposits and uninsured-deposit share: 83.5% · 27.7% uninsured
Problem-loan coverage91/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.34%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 11 points (60 → 71), mostly because the earnings component improved by 17 points.

TellerScore
606671Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202462
Q4 202461
Q1 202560
Q2 202560
Q3 202561
Q4 202566
Q1 202669
Q2 202671
Tier 1 leverage ratio
5.00%7.61%10.22%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.68%
Q3 20248.82%
Q4 20249.10%
Q1 20259.30%
Q2 20259.43%
Q3 20259.62%
Q4 20259.93%
Q1 20269.88%
Q2 202610.22%
Noncurrent loans
0.67%1.00%1.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.67%
Q3 20240.76%
Q4 20240.89%
Q1 20251.07%
Q2 20251.19%
Q3 20251.32%
Q4 20250.98%
Q1 20260.77%
Q2 20260.74%
Return on assets
1.11%1.40%1.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.12%
Q3 20241.16%
Q4 20241.20%
Q1 20251.11%
Q2 20251.28%
Q3 20251.41%
Q4 20251.50%
Q1 20261.68%
Q2 20261.69%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$1.7B10.22%0.74%1.69%83.5%
Q1 202669$1.7B9.88%0.77%1.68%80.4%
Q4 202566$1.7B9.93%0.98%1.50%82.7%
Q3 202561$1.7B9.62%1.32%1.41%83.1%
Q2 202560$1.6B9.43%1.19%1.28%84.4%
Q1 202560$1.6B9.30%1.07%1.11%84.8%
Q4 202461$1.6B9.10%0.89%1.20%86.4%
Q3 202462$1.6B8.82%0.76%1.16%85.6%
Q2 202463$1.6B8.68%0.67%1.12%86.2%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.22%
43rd
Total risk-based capital17.73%
85th
Problem loans0.74%
37th
Net charge-offs0.03%
54th
Return on assets1.69%
79th
Net interest margin4.30%
81st
Efficiency ratio49.4%
78th
Loans to deposits83.5%
59th
Uninsured deposits27.7%
60th
Loan-loss reserves0.85%
17th
Texas ratio4.3%
43rd

Similar-size banks in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Community BankBank Carmichaels, PA66 out of 100, Moderate$1.7B9.9%0.29%vs
First Keystone Community BankBank Berwick, PA50 out of 100, Below average$1.6B9.7%2.11%vs
1st Summit BankBank Johnstown, PA60 out of 100, Moderate$1.5B8.6%0.44%vs
Embassy Bank for the Lehigh ValleyBank Bethlehem, PA66 out of 100, Moderate$1.9B8.8%0.05%vs
Ameriserv Financial BankBank Johnstown, PA60 out of 100, Moderate$1.5B9.5%0.76%vs
Marquette Savings BankBank Erie, PA73 out of 100, Strong$1.4B13.6%0.66%vs

Deposit insurance

Is my money safe at Journey Bank?

Yes. Journey Bank is an FDIC-insured institution (FDIC certificate #686). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.7% of deposits ($396.9M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.22%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.73% (benchmark: 10%).

Check how much of your own balance is covered

23 locations

Branches

Journey Bank lists 18 offices in 14 cities. Most locations:

  • Bloomsburg, PA (4)
  • Berwick, PA (2)
  • Avis, PA (1)
  • Benton, PA (1)
  • Catawissa, PA (1)
  • Danville, PA (1)
  • Elysburg, PA (1)
  • Hughesville, PA (1)
  • Linden, PA (1)
  • Millville, PA (1)
  • Montoursville, PA (1)
  • Muncy, PA (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Journey Bank reported 1,084 home-loan applications under HMDA (LEI 549300C0SKCK5G4RX330): 939 originated ($151,675,000 total), 56 denied, and 73 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Journey Bank
Former names
Bloomsburg Bank-Columbia Trust Company; First Columbia Bank & Trust Co.
Type
State-chartered bank
FDIC certificate #
686
RSSD ID
881012
Primary regulator
FDIC
Holding company
Muncy Columbia Financial Corp
Established
February 1, 1926
Headquarters
1199 Lightstreet Rd, Bloomsburg, PA 17815
Employees
257

Quick answers

Journey Bank: common questions

Is Journey Bank FDIC insured?

Yes. Journey Bank is an FDIC-insured institution (FDIC certificate #686). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Journey Bank's TellerScore?

71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Journey Bank ever failed?

There is no failure record for FDIC certificate #686 in the FDIC failed bank list.

How many branches does Journey Bank have?

23 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Bloomsburg

InstitutionScoreAssetsCapitalProblem loansCompare
Palco Federal Credit UnionCredit union Muncy, PA87 out of 100, Very strong$109.3M13.1%0.20%vs
Central Keystone Federal Credit UnionCredit union Sunbury, PA87 out of 100, Very strong$63.8M18.8%0.72%vs
The Turbotville National BankBank Turbotville, PA85 out of 100, Very strong$243.5M16.5%1.10%vs
Central Susquehanna Community Federal Credit UnionCredit union Danville, PA82 out of 100, Strong$37.4M12.1%0.00%vs
Pennsylvania State Employees Credit UnionCredit union Harrisburg, PA80 out of 100, Strong$9.7B11.8%0.75%vs
Hazleton School Employees Credit UnionCredit union Hazleton, PA80 out of 100, Strong$35.4M21.8%1.96%vs