Muncy Columbia Financial Corp.

Muncy Columbia Financial Corporation (OTC: MLYF) is the holding company for Muncy Bank & Trust Company, a Pennsylvania community bank headquartered in Muncy, Lycoming County, providing banking and financial services to individuals, families, farms, and businesses across north-central Pennsylvania since 1893. According to its website at muncybank.com, Muncy Bank & Trust operates branch locations across Lycoming, Montour, Columbia, Union, and Northumberland counties in the north-central Pennsylvania region — a geographic area encompassing communities in the Susquehanna River valley including Williamsport, Bloomsburg, Lewisburg, and surrounding towns that form the economic and cultural heart of this predominantly rural Pennsylvania region. Muncy Bank's more than 130-year operating history reflects its enduring commitment to the communities of north-central Pennsylvania and the generations of families and businesses that have entrusted their banking needs to this locally rooted institution.

Muncy Bank & Trust's banking services, described at muncybank.com, encompass personal banking products including checking and savings accounts, certificates of deposit, personal loans, residential mortgage and home equity lending, and consumer finance; agricultural and agribusiness lending for the farming operations and food processing businesses that are important components of the regional economy; commercial banking including commercial real estate loans, business term loans, lines of credit, and treasury management services for local businesses; and wealth management services including investment advisory, trust administration, and estate planning. The bank's agricultural lending capabilities reflect north-central Pennsylvania's significant agricultural heritage — including dairy farming, crop production, and food manufacturing operations — that has sustained farming communities across the region for generations.

Muncy Columbia Financial Corporation is publicly traded on the OTC markets, providing investors with access to a focused north-central Pennsylvania community banking franchise with 130-plus years of operating history and deep community roots across its five-county service area. According to muncybank.com, the bank's management team and board of directors reflect the communities it serves — with leadership drawn from local business, agricultural, and civic life — reinforcing Muncy Bank's identity as a genuinely community-focused institution dedicated to the financial well-being of north-central Pennsylvania residents and businesses. Muncy Columbia Financial's combination of community banking heritage spanning more than a century, agricultural and commercial lending expertise, north-central Pennsylvania market focus, and commitment to relationship banking values positions it as a trusted and enduring financial institution in its Pennsylvania market area.