The Juniata Valley Bank

1 S Main St
Mifflintown, PA 17059

Notable Rates APY Vs.Others
Savings 0.10% 1.90% →
1-Year CD 0.35% 1.90% →
2-Year CD 0.47% 1.95% →
5-Year CD 1.21% 2.00% →
30-Year Mortgage N.A. 3.14% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.50% →

2020 Overview

General Bank Information

The Juniata Valley Bank is an FDIC insured institution located in Mifflintown, PA. It was founded in 1867 and has approximately $0.67 billion in assets. Customers can open an account at one of its 15 branches.

FDIC Insured Yes
FDIC Certificate # 7614
Date Established 1867
Assets $ 669.40 million
Loans $ 397.63 million
Deposits $ 532.02 million
Capital $ 72.35 million
 

For a more detailed analysis of The Juniata Valley Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - April 9, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $1,000 $14,999 Learn MoreShow Less
Money Market
0.15% $25,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.15% $1,000 - Learn MoreShow Less
Special: 5 Mo CD
0.52% $1,000 - Learn MoreShow Less
6 Mo CD
0.20% $1,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.35% $1,000 - Learn MoreShow Less
Special: 5 Mo FIRA
0.52% $1,000 - Learn MoreShow Less
Special: 14 Mo FIRA
1.31% $1,000 - Learn MoreShow Less
Special: 20 Mo FIRA
1.31% $1,000 - Learn MoreShow Less
Special: 54 Mo FIRA
1.31% $1,000 - Learn MoreShow Less
Special: 90 Mo FIRA
1.31% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $19,999 Learn MoreShow Less

Loan Rates - April 9, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for The Juniata Valley Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
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Featured - Connecticut Home Equity Line Of Credit Rates 2020

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Branches

The Juniata Valley Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


The Juniata Valley Bank Locations


Financial Details

The Juniata Valley Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The Juniata Valley Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
The Juniata Valley Bank U.S. Bank Average
4.35% 6.51%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2019, The Juniata Valley Bank had $3,273,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $72,353,000 in equity and $2,961,000 in loans loss reserves. That gives it a Texas Ratio of 4.35%.

Return on Equity
The Juniata Valley Bank U.S. Bank Average
8.48% 9.41%

The Juniata Valley Bank has a Return on Equity of 8.48% versus the BestCashCow average of 9.41%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
The Juniata Valley Bank U.S. Bank Average
10.81% 12.82%

The Juniata Valley Bank has a Capitalization of 10.81% versus the BestCashCow average of 12.82. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

The Juniata Valley Bank Balance Sheet Analysis

As of December 31, 2019, The Juniata Valley Bank had assets of $669,402,000, loans of $397,629,000, and deposits of $532,017,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2019
ASSETS
Cash & Balances due from depository institutions $ 14.95 million
Interest-bearing balances $ 2.82 million
Total securities $ 210.63 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 397.63 million
Loan loss allowance $ 2.96 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 9.55 million
All other assets $ 27.41 million
     Total Assets $ 597.05 million
LIABILITIES
Total deposits $ 532.02 million
      Interest-bearing deposits $ 397.23 million
      Deposits held in domestic offices $ 532.02 million
      % insured (estimated) 87.40%
Federal funds purchased and repurchase agreements $ 3.43 million
Trading liabilities N.A.
Other borrowed funds $ 56.30 million
Subordinated debt N.A.
All other liabilities $ 5.30 million
      Total Liabilities $ 597.05 million
      Shareholders’ Equity $ 72.35 million

Summary Income Statement

December 31, 2019
INCOME AND EXPENSES
Total Interest Income $ 25.57 million
Total Interest Expense $ 4.71 million
Net interest income $ 20.86 million
Provision for loan and lease losses N.A.
Total non interest income $ 4.97 million
Total non interest expense $ 20.44 million
Pre-tax Net Operating Income $ 5.97 million

Bank Loan Profile?

The top three loan types in The Juniata Valley Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in Pennsylvania, The Juniata Valley Bank has a significantly higher percent of Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 37.86
Multifamily
Mortgages
1.83
Credit Card Loans 0.00
Consumer Auto Loans 1.41
Small Business Loans 11.22
Construction and Development Loans 11.68
Commercial Real Estate 25.69
Commercial and Industrial Loans 12.70
Farm Loans 0.30

Frequently Asked Questions About The Juniata Valley Bank

Branches and Savings

Is The Juniata Valley Bank FDIC insured?

Yes. It is covered under FDIC Certificate #7614.

Why does The Juniata Valley Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are The Juniata Valley Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is The Juniata Valley Bank a commercial bank?

Yes

Where are The Juniata Valley Bank locations?

See branch locations nearby.

Is The Juniata Valley Bank open on Saturdays?

Is The Juniata Valley Bank open on Sundays?

What time does The Juniata Valley Bank open?

What time does The Juniata Valley Bank close?

Are The Juniata Valley Bank ATMs Open 24/7?

Do The Juniata Valley Bank ATMs accept cash deposits?

Can The Juniata Valley Bank customers use other ATMs?

Do The Juniata Valley Bank branches have notaries?

Will The Juniata Valley Bank notarize my document?

What address for The Juniata Valley Bank should I put for incoming ACH transfers?

Will the The Juniata Valley Bank branch print checks?

Do The Juniata Valley Bank checks expire?

Does The Juniata Valley Bank require US citizenship to open account?

Can The Juniata Valley Bank close my account?

Does The Juniata Valley Bank Report to credit bureaus?

Does The Juniata Valley Bank Use Equifax?

What is The Juniata Valley Bank's ACH Routing Number?

What is The Juniata Valley Bank's SWIFT code?

Products

Does The Juniata Valley Bank offer mortgages?

Compare mortgage rates here.

Does The Juniata Valley Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does The Juniata Valley Bank offer personal loans?

Compare personal loan rates here.

Does The Juniata Valley Bank offer student loans?

Will The Juniata Valley Bank cash a check?

Will The Juniata Valley Bank redeem a savings bond?

Does The Juniata Valley Bank cash savings bonds?

Will The Juniata Valley Bank cash money orders?

Can The Juniata Valley Bank issue a money order?

Does The Juniata Valley Bank do currency exchange?

Background on The Bank

Who owns The Juniata Valley Bank?

How long has The Juniata Valley Bank been around?

Can The Juniata Valley Bank transfer to other banks?

Does The Juniata Valley Bank have quick pay?

Does The Juniata Valley Bank accept rolled coins?

Will The Juniata Valley Bank accept loose change?

Where is The Juniata Valley Bank headquarters?

Customer Reviews for The Juniata Valley Bank


  • April 04, 2016

    It is sad to see FNBPA being taken over by Juniata. The name Juniata has no affinity with Port Allegany history. I am closing my account.

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