Overview

• US community bank's Q2 net income rose 32% yr/yr, EPS up 31.6%

• Net interest income for Q2 increased 20% from prior year, driven by loan growth and margin gains

• Non-interest income fell 5.8% in Q2, mainly due to losses on securities sales

Outlook

• Company aims to accelerate loan growth in State College and Harrisburg regions in H2 2026

• Juniata plans to maintain credit quality and focus on fee generation and expense discipline

Result Drivers

• NET INTEREST MARGIN - Co said Q2 net interest income rose due to disciplined loan and deposit pricing, with net interest margin improving by 41 basis points

• LOAN GROWTH - Average loans increased 13.3% yr/yr in Q2, helping drive growth in earning assets

• SECURITIES LOSSES - Non-interest income declined in Q2, mainly due to a $209,000 loss on sales and calls of securities from a portfolio yield restructuring plan

Company press release: ID:nGNX5syBsw

Key Details

Metric	Beat/Miss	Actual	Consensus Estimate
Q2 Net Income		$2.52 mln
Q2 Net Interest Income		$7.41 mln
Q2 Pretax Profit		$3 mln
Q2 Provision for Credit Losses		$376,000

Reuters Recommended Reads

• July 20 - ServisFirst Bancshares Q2 EPS rises 40% on loan growth, higher net interest margin

• July 21 - Bar Harbor Q2 profit rises as securities losses ease

• July 21 - Equifax sees downbeat annual revenue amid tough mortgage market

For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact reuters.support@thomsonreuters.com.