Exhibit 99.1

Press Release – For Immediate Release

July 18, 2025

Muncy Columbia Financial Corporation Announces Second Quarter 2025 Earnings

Bloomsburg, PA – Muncy Columbia Financial Corporation (“Corporation”) (OTCQX: CCFN), parent company of Journey Bank (”Bank”), has released its unaudited consolidated financial results for the second quarter of 2025.

Unaudited Financial Information

Net income, as reported under accounting principles generally accepted in the United States of America (“GAAP”), for the second quarter 2025 was $5,768,000, or $1.63 per share, compared to $4,707,000, or $1.32 per share, for the second quarter 2024. Net income, as reported under GAAP, for the six months ended June 30, 2025 was $10,113,000, or $2.86 per share compared to $8,743,000, or $2.45 per share for the same period in 2024. Return on average assets and return on average equity were 1.44% and 13.33%, respectively, for the second quarter 2025 as compared to 1.20% and 12.28%, respectively, for the second quarter 2024.

Net interest income of $14,808,000 for the second quarter 2025 was up $2,448,000 from the second quarter 2024 reflecting an increase in total interest and dividend income of $1,467,000 and a decrease of $981,000 in total interest expense. The fully-tax equivalent net interest margin was 4.04% for the second quarter 2025 as compared to 3.43% for the second quarter 2024.

For the second quarter 2025, a $254,000 provision for credit losses was recorded compared to $29,000 for the second quarter 2024. As of June 30, 2025 and December 31, 2024, the allowance for credit losses to total loans was 0.88%.

Total non-interest income decreased $182,000 to $2,237,000 for the second quarter 2025, compared to the second quarter 2024 amount of $2,419,000. Realized losses on available-for-sale debt securities, net, totaled $426,000 for the second quarter 2025 compared to $0 for the second quarter 2024. This change was partially offset by increases in brokerage income and trust income of $60,000 and $76,000, respectively, due primarily to higher assets under management, and an increase in gains on marketable equity securities of $52,000 due to market value changes comparing the second quarter 2025 to the second quarter 2024.

Total non-interest expense increased $662,000 from $9,194,000 for the second quarter 2024, to $9,856,000 for the second quarter 2025. Salaries and employee benefits expense of $4,984,000 for the second quarter 2025 increased $344,000 from $4,640,000 for the second quarter 2024. This increase was related to health insurance expenses associated with the Corporation’s partially self-funded health insurance plan which were $397,000 higher in the second quarter 2025 than the second quarter 2024. Additionally, data processing and telecommunications expenses increased $174,000 comparing the second quarter 2025 to the second quarter 2024 due to ongoing pricing increases and one-time charges in conjunction with the implementation of new products.

Total assets amounted to $1,616,215,000 at June 30, 2025, as compared to $1,595,958,000 at December 31, 2024. For the six months ended June 30, 2025, cash and cash equivalents increased $23,332,000, available-for-sale debt securities decreased $30,484,000 and loans receivable, not held for sale, increased by $31,135,000. Total liabilities amounted to $1,439,940,000 at June 30, 2025, as compared to $1,429,548,000 at December 31, 2024. Total deposits increased $68,634,000 while short-term borrowings decreased $50,267,000 and long-term borrowings decreased $10,085,000 during the six months ended June 30, 2025.

The increase in total deposits during the six months ended June 30, 2025 was as a result of strong organic deposit growth in combination with the continued execution of a strategic initiative to reposition customer repurchase agreements, which are classified as short-term borrowings, into core deposit accounts. The Bank anticipates the completion of this project later in 2025 which will assist in optimizing the Bank’s long-term liquidity needs and balance sheet management strategies.

Total non-performing assets amounted to $13,844,000 or 0.86% of total assets at June 30, 2025, as compared to $10,117,000 or 0.63% of total assets at December 31, 2024. The increase in non-performing assets was attributable to an increase in non-accrual loans from $10,047,000 at December 31, 2024 to $13,774,000 at June 30, 2025.

Total stockholders’ equity equated to a book value per share of $49.87 at June 30, 2025 as compared with $47.11 at December 31, 2024. For the second quarter 2025 total cash dividends of $0.95 per share were paid to stockholders, which includes the impact of a special one-time cash dividend of $0.50 per share, as compared to $0.44 for the same period of 2024. The Corporation remains well capitalized, with an equity to assets ratio of 10.91% at June 30, 2025 as compared to 10.43% at December 31, 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.

Muncy Columbia Financial Corporation

Consolidated Balance Sheets

(In Thousands, Except Share and Per Share Data) (Unaudited)	June 30, 2025			December 31, 2024
ASSETS
Cash and due from banks	$	15,472		$	11,200
Interest-bearing deposits in other banks		25,240			6,180
Total cash and cash equivalents		40,712			17,380

Available-for-sale debt securities, at fair value		292,764			323,248
Marketable equity securities, at fair value		1,335			1,355
Restricted investment in bank stocks, at cost		5,703			7,095
Loans held for sale		2,719			1,691

Loans receivable		1,157,072			1,125,937
Allowance for credit losses		(10,167	)		(9,858	)
Loans, net		1,146,905			1,116,079

Premises and equipment, net		26,789			26,484
Foreclosed assets held for sale		70			70
Accrued interest receivable		5,063			4,850
Bank-owned life insurance		41,461			40,953
Investment in limited partnerships		4,719			5,092
Deferred tax asset, net		8,208			10,012
Goodwill		25,609			25,609
Other intangible assets, net		9,044			10,047
Other assets		5,114			5,993
TOTAL ASSETS	$	1,616,215		$	1,595,958

LIABILITIES
Interest-bearing deposits	$	1,088,383		$	1,032,729
Noninterest-bearing deposits		272,680			259,700
Total deposits		1,361,063			1,292,429

Short-term borrowings		18,121			68,388
Long-term borrowings		45,451			55,536
Accrued interest payable		1,778			1,857
Other liabilities		13,527			11,338
TOTAL LIABILITIES		1,439,940			1,429,548

STOCKHOLDERS' EQUITY
Common stock, par value $1.25 per share; 15,000,000 shares authorized;
issued 3,843,723 and outstanding 3,534,998 at June 30, 2025;
issued 3,841,438 and outstanding 3,532,713 at December 31, 2024		4,805			4,802
Additional paid-in capital		83,636			83,543
Retained earnings		108,434			103,268
Accumulated other comprehensive loss		(9,293	)		(13,896	)
Treasury stock, at cost; 308,725 shares at June 30, 2025 and December 31, 2024		(11,307	)		(11,307	)
TOTAL STOCKHOLDERS' EQUITY		176,275			166,410
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$	1,616,215		$	1,595,958

Muncy Columbia Financial Corporation

Consolidated Statements of Income

	For the Three Months Ended						For the Six Months Ended
	June 30,						June 30,
(In Thousands, Except Share and Per Share Data) (Unaudited)	2025			2024			2025			2024
INTEREST AND DIVIDEND INCOME
Interest and fees on loans:
Taxable	$	18,805		$	17,741		$	37,089		$	34,997
Tax-exempt		420			332			818			685
Interest and dividends on investment securities:
Taxable		1,311			1,020			2,408			2,181
Tax-exempt		860			836			1,720			1,666
Dividend and other interest income		165			204			333			427
Deposits in other banks		101			62			135			128
TOTAL INTEREST AND DIVIDEND INCOME		21,662			20,195			42,503			40,084

INTEREST EXPENSE
Deposits		6,037			5,610			11,838			10,220
Short-term borrowings		252			1,427			795			3,924
Long-term borrowings		565			798			1,194			1,645
TOTAL INTEREST EXPENSE		6,854			7,835			13,827			15,789

NET INTEREST INCOME		14,808			12,360			28,676			24,295

PROVISION FOR CREDIT LOSSES		254			29			364			119

NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES		14,554			12,331			28,312			24,176

NON-INTEREST INCOME
Service charges and fees		709			667			1,431			1,282
Interchange fees		673			687			1,296			1,306
Gain on sale of loans		71			93			154			169
Earnings on bank-owned life insurance		233			229			464			456
Brokerage		252			192			485			416
Trust		280			204			518			410
Gains (losses) on marketable equity securities		14			(38	)		(20	)		(155	)
Realized losses on available-for-sale debt securities, net		(426	)		—			(426	)		(8	)
Other non-interest income		431			385			780			1,075
TOTAL NON-INTEREST INCOME		2,237			2,419			4,682			4,951

NON-INTEREST EXPENSE
Salaries and employee benefits		4,984			4,640			11,304			9,442
Occupancy		640			581			1,360			1,199
Furniture and equipment		460			384			886			790
Pennsylvania shares tax		301			230			602			440
Professional fees		414			319			862			776
Director's fees		165			105			318			239
Federal deposit insurance		217			188			435			408
Data processing and telecommunications		1,078			904			1,917			1,824
Automated teller machine and interchange		101			106			365			368
Merger-related expenses		—			201			—			297
Amortization of intangibles		516			549			1,026			1,098
Other non-interest expense		980			987			1,872			1,959
TOTAL NON-INTEREST EXPENSE		9,856			9,194			20,947			18,840

INCOME BEFORE INCOME TAX PROVISION		6,935			5,556			12,047			10,287
INCOME TAX PROVISION		1,167			849			1,934			1,544
NET INCOME	$	5,768		$	4,707		$	10,113		$	8,743

EARNINGS PER SHARE - BASIC AND DILUTED	$	1.63		$	1.32		$	2.86		$	2.45
WEIGHTED AVERAGE SHARES OUTSTANDING		3,533,977			3,572,345			3,533,356			3,571,344

	At or 3 Months Ended (Unaudited)

(Dollars in Thousands, Except Per Share Data)	6/30/2025		3/31/2025		12/31/2024		9/30/2024		6/30/2024

Operating Highlights

Net income	$	5,768	$	4,345	$	5,224	$	5,056	$	4,707
Net interest income		14,808		13,868		13,396		12,774		12,360
Provision for credit losses		254		110		567		151		29
Non-interest income		2,237		2,445		2,709		2,715		2,419
Non-interest expense		9,856		11,091		9,455		9,367		9,194

Balance Sheet Highlights

Total assets	$	1,616,215	$	1,602,336	$	1,595,958	$	1,607,322	$	1,592,300
Loans, net and loans held for sale		1,149,624		1,135,981		1,117,770		1,105,421		1,092,057
Goodwill and other intangibles, net		34,653		35,164		35,656		36,202		36,760
Total deposits
Noninterest-bearing	$	272,680	$	273,783	$	259,700	$	269,515	$	263,419
Savings		194,816		195,748		194,958		192,644		199,626
NOW		422,415		406,330		380,801		364,459		346,000
Money Market		104,677		103,759		108,263		112,319		117,770
Time Deposits		366,475		359,015		348,707		351,532		338,812
Total interest-bearing deposits		1,088,383		1,064,852		1,032,729		1,020,954		1,002,208
Core deposits*		994,588		979,620		943,722		938,937		926,815

Selected Ratios

Fully tax-equivalent net interest margin		4.04%		3.83%		3.63%		3.48%		3.43%
Annualized return on average assets		1.44%		1.10%		1.30%		1.26%		1.20%
Annualized return on average equity		13.33%		10.33%		12.30%		12.34%		12.28%

Capital Ratios - Journey Bank**

Common equity tier I capital ratio		15.35%		15.13%		15.06%		14.59%		14.06%
Tier 1 capital ratio		15.35%		15.13%		15.06%		14.59%		14.06%
Total risk-based capital ratio		16.34%		16.13%		16.03%		15.54%		14.99%
Leverage ratio		9.43%		9.30%		9.10%		8.82%		8.68%

Asset Quality Ratios

Non-performing assets	$	13,844	$	12,300	$	10,117	$	8,575	$	7,736
Allowance for credit losses - loans		10,167		9,985		9,858		9,415		9,362
Allowance for credit losses to total loans		0.88%		0.87%		0.88%		0.85%		0.85%
Non-performing assets to total assets		0.86%		0.77%		0.63%		0.53%		0.49%

Per Share Data

Earnings per share	$	1.63	$	1.23	$	1.47	$	1.42	$	1.32
Dividend declared per share***		0.95		0.45		0.44		0.44		0.44
Book value		49.87		48.50		47.11		47.35		44.11
Common stock price:
Bid	$	47.25	$	40.25	$	41.88	$	33.35	$	32.10
Ask		49.05		42.00		42.88		34.25		34.75
Weighted average common shares		3,533,977		3,532,727		3,555,920		3,574,043		3,572,345

* Core deposits are defined as total deposits less time deposits

** Capital ratios for the most recent period are estimated

*** Includes special one-time cash dividend of $0.50 per share for the three months ended 6/30/2025