Compared with Pennsylvania
11 of 17
compared fees are above the median.
3 below, 3 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
87th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Pennsylvania median
of 17 compared; 3 below, 3 about the same
See the feesFee schedule read Oct 3, 2026
Call-report figures are for The Juniata Valley Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Pennsylvania median | Published fees above the Pennsylvania median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | The Juniata Valley Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 3, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 4.9% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (87th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $433K in Q2 2026, 7.1% below the same quarter a year earlier ($466K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
11 of 17 compared published fees sit above the Pennsylvania median; 3 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Pennsylvania medians for fees published by banks and credit unions.
Non-Network ATM
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Pennsylvania, the Philadelphia district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 8.6% from Q3 2025 to Q2 2026, to $433K. Its share of revenue, 4.9%, is above the 2.1% median for banks with $300M to $1B in assets.
$433K
The Juniata Valley BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
The Juniata Valley Bank · $918M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| The Juniata Valley Bank(this institution) | Mifflintown, PA | $918M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| American Bank & Trust Company, Inc. | Bowling Green, KY | $924M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of Botetourt | Buchanan, VA | $939M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| DR Bank | Darien, CT | $913M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Farmers National Bank | Prophetstown, IL | $896M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| FinWise Bank | Murray, UT | $915M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Commerce Bank | Lewisburg, TN | $935M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Northern Bank and Trust Company | Palmerton, PA | $921M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fortress Bank | Peoria, IL | $897M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Franklin Savings Bank | Franklin, NH | $931M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Greenfield Banking Company | Greenfield, IN | $930M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Greenfield Co-operative Bank | Greenfield, MA | $902M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Legends Bank | Clarksville, TN | $928M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Lindell Bank & Trust Company | St. Louis, MO | $915M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mechanics Bank | Mansfield, OH | $896M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Mechanics Cooperative Bank | Taunton, MA | $899M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Mountain Pacific Bank | Everett, WA | $896M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Oxford Bank | Oxford, MI | $931M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Passumpsic Savings Bank | Saint Johnsbury, VT | $934M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| SpiritBank | Tulsa, OK | $913M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| StonehamBank, A Co-operative Bank | Stoneham, MA | $918M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Terrabank, National Association | Miami, FL | $898M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Texas Heritage National Bank | Daingerfield, TX | $936M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Thrivent Bank | Salt Lake City, UT | $906M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Titan Bank, N.A. | Mineral Wells, TX | $896M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Windsor Federal Bank | Windsor, CT | $895M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7.50 among 15 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 25, 2026.
Monthly maintenance fee in dollars, one mark per institution
The Juniata Valley Bank does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 25, 2026. Total assets from FDIC and NCUA records.
Call reports for The Juniata Valley Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $433K | −$2K | −0.5% |
| Q1 2026 | $435K | −$33K | −7.1% |
| Q4 2025 | $468K | −$6K | −1.3% |
| Q3 2025 | $474K | +$8K | +1.7% |
| Q2 2025 | $466K | +$6K | +1.3% |
| Q1 2025 | $460K | −$7K | −1.5% |
| Q4 2024 | $467K | −$6K | −1.3% |
| Q3 2024 | $473K | +$17K | +3.7% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, The Juniata Valley Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to The Juniata Valley Bank by share.
Amounts from The Juniata Valley Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per half hour · Research and reconcilement of account $15.00/half hour
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Closing Account Fee-Checking/Savings Accounts (within 90 days of opening) | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Closing Account Fee-Holiday Club Accounts (Early Closing) | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account (Inactive for 12 months) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Research and reconcilement of account | $15Not compared: Charged per half hour; comparison unavailable | per half hour | Research and reconcilement of account $15.00/half hour |
| Paper Statement Fee | $3Inside the U.S. middle 50% ($2 to $4.98 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Fee | $37Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-Sufficient Funds Fee | $37Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Transfer Charge | $7Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| ATM Transaction | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| ATMs ATM/Debit Card Special Handling Fee/Expedited Delivery Fee (audience not stated, treated as personal) | $10Below the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer Incoming | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| International Wire Transfer | $30Below the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Official Check | $7Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Check Cashing - Foreign check - non-customer | $6Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Check Cashing - JVB check - non-customer | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Imaged Copies (per item) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Account Services | |||
| Late Fee | $10Not compared: Box drilling or key fee | Not stated | None |
| Lost Key | $35Not compared: Box drilling or key fee | Not stated | None |
| Levies & Garnishments | $100Above the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Close-Out Processing Fee (Rollover/Transfer) | $30Inside the U.S. middle 50% ($25 to $35 nationally) | per item | None |
Other Fees | |||
| Customer Photocopies (per copy) | $0.50Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Fax | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Statement Copies | $7Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
vs. the U.S. middle 50%:BelowInsideAbove
per month
per half hour · Research and reconcilement of account $15.00/half hour
per transaction
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Closing Account Fee-Checking/Savings Accounts (within 90 days of opening) | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Closing Account Fee-Holiday Club Accounts (Early Closing) | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account (Inactive for 12 months) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Research and reconcilement of account | $15Not compared: Charged per half hour; comparison unavailable | per half hour | Research and reconcilement of account $15.00/half hour |
| Paper Statement Fee | $3Inside the U.S. middle 50% ($2 to $4.98 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Fee | $37Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-Sufficient Funds Fee | $37Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Transfer Charge | $7Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| ATM Transaction | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
Wire Transfers | |||
| Wire Transfer Incoming | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| International Wire Transfer | $30Below the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Official Check | $7Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Check Cashing - Foreign check - non-customer | $6Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Check Cashing - JVB check - non-customer | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Imaged Copies (per item) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Deposited Item Returned (per item) - Business | $10 | per item | None |
Account Services | |||
| Late Fee | $10Not compared: Box drilling or key fee | Not stated | None |
| Lost Key | $35Not compared: Box drilling or key fee | Not stated | None |
| Levies & Garnishments | $100Above the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Close-Out Processing Fee (Rollover/Transfer) | $30Inside the U.S. middle 50% ($25 to $35 nationally) | per item | None |
Other Fees | |||
| Customer Photocopies (per copy) | $0.50Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Fax | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Statement Copies | $7Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 3, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where The Juniata Valley Bank operates, and what regulators and customers have on file.
Branch footprint
14 offices in 1 state, $805.8M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 11 | $642.8M |
| 2 | $114.2M | |
| 1 | $48.8M |
Harrisburg-Carlisle, PA
0.6% of bank deposits, #18 of 25, up 0.1 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| PNC Bank, National Association | 23.8% |
| Manufacturers and Traders Trust Company | 11.1% |
| First National Bank of Pennsylvania | 11% |
| Mid Penn Bank | 9.6% |
| Orrstown Bank | 7.1% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Harrisburg-Carlisle, PA, The Juniata Valley Bank holds 0.6% of bank deposits, #18 of 25, with 2 offices.
189 offices of 36 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 25 institutions shown. $20.2B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0.6% share, 2 offices, #18 of 25
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
55 offices of 12 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Holding company
JUNIATA VALLEY FINANCIAL CORP (OTC: JUVF)
Consolidated assets
$918.9M
Shareholders' equity
$62.7M
As of
2026Q2
Net income by quarter
Source: SEC EDGAR filings and XBRL financial data, CIK 714712. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.
Fee change alerts
We check once a day and send one email covering every change.