The Juniata Valley Bank: how it compares with its peers
Against 41 PA banks with half to twice its assets, The Juniata Valley Bank's strongest measure in Q2 2026 is efficiency ratio (60.22% vs. a 65.28% peer median). Its weakest relative measure is assets per employee ($7.3M vs. $7.9M).
| Measure | The Juniata Valley Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.16% | 1.02% | Middle third Ahead of 59% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.47% | 3.43% | Middle third Ahead of 56% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 60.22% | 65.28% | Middle third Ahead of 61% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.3M | $7.9M | Middle third Ahead of 34% of peers |
| Loans to deposits Net loans and leases over total deposits. | 78.01% | 84.35% | Context |
What it means for lending operations
Its efficiency ratio of 60.22% is better than the 65.28% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First Northern Bank and Trust Company Palmerton, PA · $921M
- Atlantic Community Bankers Bank Camp Hill, PA · $942M
- Harleysville Bank Harleysville, PA · $964M
- First Resource Bank Exton, PA · $841M
- Jonestown Bank and Trust Company, of Jonestown, Pennsylvania Jonestown, PA · $1.01B
- First Federal Savings and Loan Association of Greene Co Waynesburg, PA · $1.03B
Questions about The Juniata Valley Bank
How big is The Juniata Valley Bank?
The Juniata Valley Bank, established in 1867, is headquartered in Mifflintown, PA. It reported $918M in total assets in its Q2 2026 FDIC call report and operates 15 offices.
What is The Juniata Valley Bank's return on assets?
1.16% annualized in Q2 2026, against a 1.02% median for 41 PA banks with half to twice its assets, ahead of 59% of them.
What is The Juniata Valley Bank's efficiency ratio?
60.22% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 65.28%, and lower is better.
Is The Juniata Valley Bank growing its loans?
Net loans grew 14.4% over the year to Q2 2026, while deposits grew 6.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are PA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Pennsylvania bank ranked.