TellerScore

Headquartered in Mifflintown, Pennsylvania, The Juniata Valley Bank is a state-chartered bank with $917.9M in total assets and $805.8M in deposits as of Q2 2026. It operates 15 offices. Its charter dates back to 1867.

Based on its Q2 2026 filing, The Juniata Valley Bank scores 70/100, which we describe as strong. That is higher than only 43% of 2,650 banks with $100 million – $1 billion. Among 110 banks headquartered in Pennsylvania, it ranks 45th. Its strongest component is problem-loan coverage (99/100; 0.4%), and its lowest is capital cushion (36/100; 8.56%).

TellerScore · Q2 2026

Scorecard

Capital cushion36/100
Tier 1 leverage ratio: 8.56%
Loan quality98/100
Noncurrent loans ÷ total loans: 0.05%
Earnings66/100
Return on assets (annualized): 1.16%
Funding & liquidity76/100
Loans ÷ deposits and uninsured-deposit share: 78.0% · 20.4% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.44%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (69 → 70).

TellerScore
666971Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202466
Q4 202466
Q1 202569
Q2 202569
Q3 202568
Q4 202567
Q1 202671
Q2 202670
Tier 1 leverage ratio
5.00%6.78%8.56%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.05%
Q3 20248.17%
Q4 20248.26%
Q1 20258.43%
Q2 20258.45%
Q3 20258.41%
Q4 20258.36%
Q1 20268.53%
Q2 20268.56%
Noncurrent loans
0.05%0.09%0.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.08%
Q3 20240.13%
Q4 20240.12%
Q1 20250.12%
Q2 20250.09%
Q3 20250.10%
Q4 20250.11%
Q1 20260.05%
Q2 20260.05%
Return on assets
0.73%0.98%1.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.73%
Q3 20240.74%
Q4 20240.73%
Q1 20250.96%
Q2 20250.93%
Q3 20250.93%
Q4 20250.92%
Q1 20261.24%
Q2 20261.16%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$917.9M8.56%0.05%1.16%78.0%
Q1 202671$900.9M8.53%0.05%1.24%76.4%
Q4 202567$895.5M8.36%0.11%0.92%76.0%
Q3 202568$879.6M8.41%0.10%0.93%73.6%
Q2 202569$867.4M8.45%0.09%0.93%72.4%
Q1 202569$853.2M8.43%0.12%0.96%71.1%
Q4 202466$848.4M8.26%0.12%0.73%70.5%
Q3 202466$857.1M8.17%0.13%0.74%70.7%
Q2 202466$861.8M8.05%0.08%0.73%71.9%

2,650 peers · $100 million – $1 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 ratio8.56%
7th
Total risk-based capital12.76%
55th
Problem loans0.05%
79th
Net charge-offs0.00%
54th
Return on assets1.16%
45th
Net interest margin3.47%
26th
Efficiency ratio60.2%
56th
Loans to deposits78.0%
53rd
Uninsured deposits20.4%
63rd
Loan-loss reserves1.20%
51st
Texas ratio0.4%
78th

Similar-size banks in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
First Northern Bank and Trust CompanyBank Palmerton, PA81 out of 100, Strong$921.5M15.3%1.16%vs
Atlantic Community Bankers BankBank Camp Hill, PA76 out of 100, Strong$942.0M15.8%0.53%vs
Harleysville BankBank Harleysville, PA74 out of 100, Strong$963.6M9.9%0.14%vs
First Resource BankBank Exton, PA67 out of 100, Moderate$840.9M8.6%0.12%vs
CfsbankBank Charleroi, PA66 out of 100, Moderate$773.4M11.0%0.24%vs
Asian BankBank Philadelphia, PA72 out of 100, Strong$685.9M19.1%1.22%vs

Deposit insurance

Is my money safe at The Juniata Valley Bank?

Yes. The Juniata Valley Bank is an FDIC-insured institution (FDIC certificate #7614). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 20.4% of deposits ($164.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.56%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.76% (benchmark: 10%).

Check how much of your own balance is covered

15 locations

Branches

The Juniata Valley Bank lists 15 offices in 13 cities. Most locations:

  • Lewistown, PA (2)
  • Mifflintown, PA (2)
  • Belleville, PA (1)
  • Burnham, PA (1)
  • Coudersport, PA (1)
  • Liverpool, PA (1)
  • Mcalisterville, PA (1)
  • Millerstown, PA (1)
  • Port Allegany, PA (1)
  • Port Royal, PA (1)
  • Reedsville, PA (1)
  • Richfield, PA (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Juniata Valley Bank reported 289 home-loan applications under HMDA (LEI 549300R20AB76CQEH402): 223 originated ($33,685,000 total), 50 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 17.5%, 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
The Juniata Valley Bank
Former names
The Juniata Valley National Bank of Mifflintown; The Juniata Valley National Bank
Type
State-chartered bank
FDIC certificate #
7614
RSSD ID
215710
Primary regulator
FDIC
Holding company
Juniata Valley Financial Corp
Established
January 1, 1867
Headquarters
1 S Main St, Mifflintown, PA 17059
Employees
126

Quick answers

The Juniata Valley Bank: common questions

Is The Juniata Valley Bank FDIC insured?

Yes. The Juniata Valley Bank is an FDIC-insured institution (FDIC certificate #7614). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Juniata Valley Bank's TellerScore?

70 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 The Juniata Valley Bank ever failed?

There is no failure record for FDIC certificate #7614 in the FDIC failed bank list.

How many branches does The Juniata Valley Bank have?

15 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Mifflintown

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of LandisburgBank Landisburg, PA80 out of 100, Strong$417.1M17.0%1.61%vs
MCS BankBank Milroy, PA73 out of 100, Strong$224.7M11.7%0.36%vs
First Area Federal Credit UnionCredit union Lewistown, PA71 out of 100, Strong$29.9M10.1%1.15%vs
Pennsylvania Central Federal Credit UnionCredit union Harrisburg, PA70 out of 100, Strong$138.9M10.6%0.63%vs
Orrstown BankBank Harrisburg, PA70 out of 100, Strong$5.6B10.0%0.60%vs
Central Penn Bank & TrustBank Mifflinburg, PA67 out of 100, Moderate$1.3B9.0%0.80%vs