Exhibit 99.1

Press Release – For Immediate Release

October 19, 2026

Muncy Columbia Financial Corporation Announces Third Quarter 2026 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 third quarter of 2026.

Unaudited Financial Information

Net income, as reported under accounting principles generally accepted in the United States of America (“GAAP”), for the third quarter 2026 was $6,043,000, or $0.57 per share, compared to $6,719,000, or $0.63 per share, for the third quarter 2025. Net income, as reported under GAAP, for the nine months ended September 30, 2026 was $20,354,000, or $1.92 per share, compared to $16,832,000, or $1.59 per share for the same period in 2025. Return on average assets and return on average equity were 1.42% and 11.97%, respectively, for the third quarter 2026 as compared to 1.63% and 14.81%, respectively, for the third quarter 2025.

Net interest income of $17,633,000 for the third quarter 2026 increased $1,982,000 from the third quarter 2025 amount of $15,651,000, reflecting an increase in total interest and dividend income of $1,365,000 and a decrease of $617,000 in total interest expense. The fully-tax equivalent net interest margin was 4.54% for the third quarter 2026 as compared to 4.15% for the third quarter 2025.

For the third quarter 2026, a $942,000 provision for credit losses was recorded compared to a $479,000 provision for the third quarter 2025. The allowance for credit losses to total loans was 0.91% at September 30, 2026 and 0.85% at December 31, 2025.

Total non-interest income decreased $2,281,000 to $611,000 for the third quarter 2026, compared to the third quarter 2025 amount of $2,892,000. Realized losses on available-for-sale debt securities, net, totaled $2,404,000 for the third quarter 2026. No realized losses on available-for-sale debt securities were recognized during the third quarter 2025. During the third quarter 2026, the Corporation sold certain available-for-sale debt securities at a loss as part of a balance sheet repositioning strategy designed to improve the Corporation’s net interest margin and enhance future earnings potential. The securities sold generally carried substantially lower contractual yields relative to the yields available on comparable securities at the time of reinvestment. The proceeds from the sales were reinvested in higher-yielding securities, which management expects will contribute to improved interest income and net interest margin in future periods, subject to changes in market interest rates, deposit costs, balance sheet composition, and other factors affecting the Corporation’s net interest margin.

Total non-interest expense increased $70,000 from $9,978,000 for the third quarter 2025, to $10,048,000 for the third quarter 2026. Salaries and employee benefits expense of $5,417,000 for the third quarter 2026 increased $618,000 from $4,799,000 for the third quarter 2025. This increase was related to health insurance expenses associated with the Corporation’s partially self-funded health insurance plan which were $422,000 higher in the third quarter 2026 than the third quarter 2025, along with ongoing salary and wage increases for employees. The increase in salaries and employee benefits expense was partially offset by a decrease in professional fees of $164,000 due primarily to lower legal and consulting costs and a decrease in other non-interest expense of $351,000 due primarily to lower overall marketing and advertising costs comparing the third quarter 2026 to the third quarter 2025.

Total assets amounted to $1,688,153,000 at September 30, 2026, as compared to $1,673,199,000 at December 31, 2025. For the nine months ended September 30, 2026, cash and cash equivalents decreased $12,780,000 and loans receivable held for investment increased by $30,783,000. Total liabilities amounted to $1,495,117,000 at September 30, 2026, as compared to $1,480,658,000 at December 31, 2025. Total deposits increased $59,087,000 while short-term borrowings decreased $4,938,000 and long-term borrowings decreased $40,584,000 during the nine months ended September 30, 2026. During the second quarter 2026, the Corporation prepaid, in full, its outstanding long-term FHLB borrowings.

Total non-performing assets amounted to $11,272,000 or 0.67% of total assets at September 30, 2026, as compared to $11,978,000 or 0.72% of total assets at December 31, 2025. The decrease in non-performing assets was primarily attributable to a decrease in non-accrual loans from $11,523,000 at December 31, 2025, to $10,325,000 at September 30, 2026.

Total stockholders’ equity equated to a book value per share of $18.18 at September 30, 2026, as compared with $18.15 at December 31, 2025. For the third quarter 2026 total cash dividends of $0.155 per share were declared as compared to $0.150 for the same period of 2025. For the nine months ended September 30, 2026, total cash dividends of $0.797 per share were declared as compared to $0.617 for the same period of 2025, which included the impact of special one-time dividends of $0.333 per share and $0.167 per share for the nine months ended September 30, 2026 and 2025, respectively. The Corporation remains well capitalized, with an equity to assets ratio of 11.43% at September 30, 2026, as compared to 11.51% at December 31, 2025.

Stock Split

On April 23, 2026, the Corporation’s Board of Directors declared a three-for-one stock split in the form of a 200% stock dividend on its outstanding shares of common stock. Each shareholder of record as of the close of business on May 7, 2026 received two additional shares of common stock for each share then held, effective May 15, 2026. The dividend was paid in authorized but unissued shares of common stock of the Corporation. The par value of the Corporation's stock was not affected by the split and remained at $1.25 per share. All share and per share amounts reported in this press release have been adjusted to reflect the three-for-one stock split.

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, Luzerne, 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)	September 30, 2026			December 31, 2025
ASSETS
Cash and due from banks	$	14,540		$	12,828
Interest-bearing deposits in other banks		21,220			35,712
Total cash and cash equivalents		35,760			48,540

Available-for-sale debt securities, at fair value		324,860			327,245
Marketable equity securities, at fair value		1,647			1,411
Restricted investment in bank stocks, at cost		3,835			5,412
Loans held for sale		2,239			847

Loans receivable		1,208,364			1,177,581
Allowance for credit losses		(11,032	)		(9,959	)
Loans, net		1,197,332			1,167,622

Premises and equipment, net		26,196			26,263
Foreclosed assets held for sale		801			320
Accrued interest receivable		5,801			5,063
Bank-owned life insurance		41,428			41,740
Investment in limited partnerships		3,786			4,346
Deferred tax asset, net		7,791			5,992
Goodwill		25,609			25,609
Other intangible assets, net		6,680			8,042
Other assets		4,388			4,747
TOTAL ASSETS	$	1,688,153		$	1,673,199

LIABILITIES
Interest-bearing deposits	$	1,198,095		$	1,135,740
Noninterest-bearing deposits		273,744			277,012
Total deposits		1,471,839			1,412,752

Short-term borrowings		7,517			12,455
Long-term borrowings		—			40,584
Accrued interest payable		1,582			1,644
Other liabilities		14,179			13,223
TOTAL LIABILITIES		1,495,117			1,480,658

STOCKHOLDERS' EQUITY
Common stock, par value $1.25 per share; 15,000,000 shares authorized;
issued 10,924,389 and outstanding 10,615,664 at September 30, 2026;
issued 10,918,987 and outstanding 10,610,262 at December 31, 2025		13,656			4,807
Additional paid-in capital		74,992			83,720
Retained earnings		131,263			119,364
Accumulated other comprehensive loss		(15,568	)		(4,043	)
Treasury stock, at cost; 308,725 shares at September 30, 2026 and December 31, 2025		(11,307	)		(11,307	)
TOTAL STOCKHOLDERS' EQUITY		193,036			192,541
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$	1,688,153		$	1,673,199

* All share amounts have been adjusted to reflect the three-for-one stock split effective May 15, 2026.

Muncy Columbia Financial Corporation

Consolidated Statements of Income

	For the Three Months Ended					For the Nine Months Ended
	September 30,					September 30,
(In Thousands, Except Share and Per Share Data) (Unaudited)	2026			2025		2026			2025
INTEREST AND DIVIDEND INCOME
Interest and fees on loans:
Taxable	$	20,326		$	19,365	$	59,313		$	56,454
Tax-exempt		380			377		1,187			1,195
Interest and dividends on investment securities:
Taxable		2,194			1,497		6,229			3,905
Tax-exempt		844			864		2,578			2,584
Dividend and other interest income		120			151		394			484
Deposits in other banks		102			347		565			482
TOTAL INTEREST AND DIVIDEND INCOME		23,966			22,601		70,266			65,104

INTEREST EXPENSE
Deposits		6,239			6,255		18,183			18,093
Short-term borrowings		94			168		307			963
Long-term borrowings		—			527		931			1,721
TOTAL INTEREST EXPENSE		6,333			6,950		19,421			20,777

NET INTEREST INCOME		17,633			15,651		50,845			44,327

PROVISION FOR CREDIT LOSSES		942			479		1,405			843

NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES		16,691			15,172		49,440			43,484

NON-INTEREST INCOME
Service charges and fees		777			774		2,279			2,205
Interchange fees		659			671		1,948			1,967
Gain (loss) on sale of loans		128			186		(354	)		340
Earnings on bank-owned life insurance		257			235		746			699
Gain on settlement of bank-owned life insurance claims		—			—		605			—
Brokerage		289			215		837			700
Trust		299			268		878			786
Gains on marketable equity securities		31			48		236			28
Realized losses on available-for-sale debt securities, net		(2,404	)		—		(3,849	)		(426	)
Other non-interest income		575			495		2,335			1,275
TOTAL NON-INTEREST INCOME		611			2,892		5,661			7,574

NON-INTEREST EXPENSE
Salaries and employee benefits		5,417			4,799		16,330			16,103
Occupancy		669			644		2,085			2,004
Furniture and equipment		390			418		1,126			1,304
Pennsylvania shares tax		374			336		1,123			938
Professional fees		327			491		1,416			1,353
Director's fees		158			165		486			483
Federal deposit insurance		195			217		585			652
Data processing and telecommunications		973			877		2,814			2,794
Automated teller machine and interchange		152			230		454			595
Amortization of intangibles		454			511		1,362			1,532
Other non-interest expense		939			1,290		2,884			3,167
TOTAL NON-INTEREST EXPENSE		10,048			9,978		30,665			30,925

INCOME BEFORE INCOME TAX PROVISION		7,254			8,086		24,436			20,133
INCOME TAX PROVISION		1,211			1,367		4,082			3,301
NET INCOME	$	6,043		$	6,719	$	20,354		$	16,832

EARNINGS PER SHARE - BASIC AND DILUTED	$	0.57		$	0.63	$	1.92		$	1.59
WEIGHTED AVERAGE SHARES OUTSTANDING		10,614,065			10,605,026		10,612,212			10,601,738

* All share and per share amounts have been adjusted to reflect the three-for-one stock split effective May 15, 2026.

	At or Three Months Ended (Unaudited)

(Dollars in Thousands, Except Per Share Data)	9/30/2026		6/30/2026		3/31/2026		12/31/2025			9/30/2025

Operating Highlights

Net income	$	6,043	$	7,155	$	7,156	$	7,393		$	6,719
Net interest income		17,633		16,769		16,443		16,272			15,651
Provision (credit) for credit losses		942		394		69		(4	)		479
Non-interest income		611		2,560		2,490		2,789			2,892
Non-interest expense		10,048		10,420		10,197		10,095			9,978

Balance Sheet Highlights

Total assets	$	1,688,153	$	1,672,332	$	1,717,328	$	1,673,199		$	1,654,950
Loans, net and loans held for sale		1,199,571		1,197,277		1,172,517		1,168,469			1,160,829
Goodwill and other intangibles, net		32,289		32,743		33,197		33,651			34,142
Total deposits
Noninterest-bearing	$	273,744	$	277,392	$	283,210	$	277,012		$	272,376
Savings		196,498		198,675		196,828		192,311			192,903
NOW		490,238		453,593		451,699		461,367			456,661
Money Market		119,398		113,486		127,633		104,726			107,853
Time Deposits		391,961		390,449		394,198		377,336			367,097
Total interest-bearing deposits		1,198,095		1,156,203		1,170,358		1,135,740			1,124,514
Core deposits (a)		1,079,878		1,043,146		1,059,370		1,035,416			1,029,793

Selected Ratios

Fully tax-equivalent net interest margin		4.54%		4.37%		4.33%		4.27%			4.15%
Annualized return on average assets		1.42%		1.70%		1.72%		1.77%			1.63%
Annualized return on average equity		11.97%		14.65%		14.83%		15.49%			14.81%

Capital Ratios - Journey Bank (b)

Common equity tier I capital ratio		17.11%		16.74%		16.29%		15.92%			15.69%
Tier 1 capital ratio		17.11%		16.74%		16.29%		15.92%			15.69%
Total risk-based capital ratio		18.18%		17.73%		17.26%		16.87%			16.70%
Leverage ratio		10.50%		10.22%		9.88%		9.93%			9.62%

Asset Quality Ratios

Non-performing assets	$	11,272	$	8,881	$	9,360	$	11,978		$	15,536
Allowance for credit losses - loans		11,032		10,261		9,968		9,959			10,548
Allowance for credit losses to total loans		0.91%		0.85%		0.84%		0.85%			0.90%
Non-performing assets to total assets		0.67%		0.53%		0.55%		0.72%			0.94%

Per Share Data

Earnings per share	$	0.57	$	0.67	$	0.67	$	0.70		$	0.63
Dividends declared per share (c)		0.155		0.155		0.487		0.150			0.150
Book value		18.18		18.72		18.10		18.15			17.39
Common stock price:
Bid	$	29.50	$	27.31	$	21.97	$	15.94		$	16.45
Ask		33.00		27.73		23.57		19.85			16.67
Weighted average common shares		10,614,065		10,612,247		10,610,284		10,607,955			10,605,026

* All share and per share amounts have been adjusted to reflect the three-for-one stock split effective May 15, 2026.

(a) Core deposits are defined as total deposits less time deposits.

(b) Capital ratios for the most recent period are estimated.