The Juniata Valley Bank
The Juniata Valley Bank is a Pennsylvania community bank founded in 1867 and a subsidiary of Juniata Valley Financial Corp. (JUVF), offering personal, business, mortgage, trust, and merchant banking across 15 offices in six Central and North Central Pennsylvania counties.
- Company typePublic
- Founded1867
- HeadquartersMifflintown, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What The Juniata Valley Bank does
The Juniata Valley Bank (JVB) is a Pennsylvania-chartered community bank and wholly-owned operating subsidiary of publicly traded Juniata Valley Financial Corp. (OTCMKTS: JUVF), founded August 5, 1867 and headquartered in Mifflintown, PA. The bank serves individual consumers, small-to-medium businesses, agricultural customers, homebuyers, and wealth/estate-planning clients across Central and North Central Pennsylvania through 15 community offices in Franklin, Juniata, Mifflin, McKean, Perry, and Potter counties, supported by two satellite loan and financial services offices.
JVB's product platform spans the full retail/community-bank stack: personal and business checking and savings accounts (including the idLOCK Checking security bundle), CDs and IRAs, a full mortgage suite (fixed-rate, ARM, FHA, VA, construction), home equity loans and HELOCs, auto loans, and business lending (term loans, lines of credit, commercial real estate, equipment financing, SBA 7(a) via SBA Express delegated authority). Trust and estate services, investment services, merchant services through Global Payments, and a Visa Signature Business Rewards credit card issued via UMB Bank round out the offering.
Revenue is generated primarily through net interest income on loans and deposits (Q1 2026: $7.3M, +25.5% YoY) supplemented by fee-based non-interest income (service charges, trust fees, merchant and credit card fees), which grew 7.1% YoY in Q1 2026. Distribution combines community-banking branches with a digital stack including the JVB Mobile App (iOS/Android via IFS), online banking, remote deposit capture, Enfact fraud monitoring, IDProtect identity protection, and third-party loan origination through MeridianLink and loanspq.com. The bank reported Q1 2026 net income of $2.8M (+39.3% YoY) with nonperforming and delinquent loans at just 0.1% of total loans.
The Juniata Valley Bank firmographics
Firmographics- Name
- The Juniata Valley Bank
- Legal name
- The Juniata Valley Bank
- Website
- https://jvbonline.com
- Company type
- Public
- Founded year
- 1867
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- The Juniata Valley Bank is a Pennsylvania community bank founded in 1867 and a subsidiary of Juniata Valley Financial Corp. (JUVF), offering personal, business, mortgage, trust, and merchant banking across 15 offices in six Central and North Central Pennsylvania counties.
- Ownership category
- akta.pro rank
The Juniata Valley Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211), Savings Institutions and Other Depository Credit Intermediation (522180), Trusts, Estates, and Agency Accounts (525920)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)
- akta.pro secondary industry
- Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)
Keywords
Where The Juniata Valley Bank is headquartered
LocationHeadquarters
- HQ city
- Mifflintown
- HQ country
- United States
- HQ region
- North America
Offices18 records
Markets served
The Juniata Valley Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Net Interest Income: Traditional banking revenue from the spread between interest earned on loans (mortgages, business loans, personal loans, home equity) and interest paid on deposits. Q1 2026 net interest income was $7.3 million, up 25.5% year-over-year.
- Non-Interest Income: Fee-based revenue including service charges, merchant services fees, trust services fees, credit card fees, and digital banking services. Q1 2026 non-interest income increased 7.1% year-over-year.
- Credit Card Revenue: Revenue generated from the Visa Signature Business Rewards credit card program issued through UMB Bank, including interchange fees and interest charges.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Monthly | Auto Loans: 36-72 month terms with rates starting at 5.99% APR |
| Unit Pricing | Monthly | Fixed Rate Mortgages: 15-30 year terms with rates starting at 5.89% |
| Unit Pricing | Monthly | Home Equity Loans: 6-180 month terms with rates starting at 5.74% APR |
| Subscription | Monthly | Choice Business Checking: $6/month, $50 minimum to open |
| Subscription | Monthly | Preferred Business Checking: $10/month, $200 minimum to open, $2,500 minimum balance to avoid fee |
| Subscription | Monthly | Business Statement Savings: $5/month, $100 minimum to open |
| Subscription | Monthly | Money Market Account: $8/month, $1,000 minimum to open |
| Subscription | Monthly | Indexed Money Market Account: $12/month, $1,000 minimum to open, $5,000 minimum balance to avoid fee |
| Subscription | Monthly | Visa Signature Business Rewards Credit Card: No annual fee, 0% introductory APR for 9 months |
Go-to-market motion1 record
Distribution channels6 records
Marketing channels6 records
The Juniata Valley Bank product offering
Product offeringCore offering
The Juniata Valley Bank is a community bank offering deposit accounts (checking, savings, money market, IRAs, CDs), consumer and commercial loans (mortgages, home equity, auto, business loans), trust and estate administration services, and investment services through a network of 15 branch offices in central Pennsylvania. Operating subsidiary of Juniata Valley Financial Corp. (OTCMKTS: JUVF), the bank targets households, small businesses, and local municipalities in its six-county footprint.
Product overview
The Juniata Valley Bank is a community bank offering a comprehensive suite of banking products and services organized around personal banking, business banking, lending, and wealth management. Personal banking includes multiple checking account options (standard and idLOCK with identity protection), savings accounts, CDs, IRAs, and credit/debit cards. Business banking offers Choice, Preferred, Public Funds, and Executive checking accounts plus Business Statement Savings, Money Market, and Indexed Money Market accounts. Lending products span personal loans, auto/vehicle loans, mortgages (fixed-rate, ARM, FHA, VA, construction), home equity loans and HELOCs, and business loans (term loans, lines of credit, commercial real estate, equipment, SBA loans). Additional services include merchant services through Global Payments, digital/mobile banking, investment services, and Trust Services for estate planning and wealth management. The bank serves Central Pennsylvania and Northern Tier communities with 15 community offices across six counties.
Differentiator
Problem solved
Functional benefit
Brands
- idLOCK Checking: A secure checking account with identity theft monitoring, fraud protection, telehealth services, dark web monitoring, accidental death and dismemberment insurance, cell phone protection, and buyer's protection and extended warranty benefits.
- Visa Signature Business Rewards Credit Card
Products and services
- Personal Checking Accounts
Quantifiable outcome
- Q1 2026 net income increased 39.3% to $2.8 million compared to Q1 2025
- +3 more outcomes
Companies that use The Juniata Valley Bank
Customer profileNamed customers3 records
Segments5 records
Ideal customer profiles3 records
The Juniata Valley Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration10 records
Feature5 records
The Juniata Valley Bank partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and minor.
- Global PaymentscoreStrategic partnership where Global Payments provides payment processing solutions for JVB business customers. Global Payments offers point-of-sale solutions (Genius), secure payment processing, customer insights, email marketing, gift and loyalty programs, and data breach security (up to $100,000 per location). JVB recommends this partnership to keep banking local for business customers.
- GreenlightminorGreenlight app partnership for kids and teen banking. JVB offers the Greenlight app as a banking-for-kids solution through which parents can teach kids to earn, spend, and save. Parents set flexible controls and receive real-time notifications. JVB earns referral/incentive compensation through this partnership.
- UMB BankcoreUMB Bank issues the JVB Visa Signature Business Rewards credit card under a license from Visa USA. UMB Bank handles card issuance, processing, and customer service for the credit card program. JVB markets and refers the credit card product to its customers.
- LendiominorLendio provides lending options for business customers who may not qualify for conventional business loans. Offered through the Global Payments partnership ecosystem to provide alternative financing options for JVB business customers.
Scale indicators6 records
Recent moves8 records
Expansion highlights5 records
The Juniata Valley Bank competitors and assessment
Company assessmentDirect peers
- ACNB Corporation: PA-headquartered community bank holding company operating in south-central Pennsylvania and northern Maryland, with comparable personal/business banking, mortgage, and wealth services offerings to JVB.
- Penns Woods Bancorp: PA community bank holding company with a similar mix of community banking, commercial lending, and wealth management services, operating in rural Pennsylvania counties that overlap with JVB's footprint.
- Mid Penn Bancorp: Pennsylvania-based community bank serving central PA with consumer, business, and mortgage banking—directly comparable geography and product mix to JVB's Central PA focus.
- First Keystone Corporation: PA community bank holding company with consumer and commercial banking across rural PA counties; comparable size and product breadth to JVB.
- Citizens Financial Services: PA community bank holding company operating in north-central PA (Potter, Tioga, Bradford counties), with overlap in rural banking markets adjacent to JVB's footprint.
- Jersey Shore State Bank (Jersey Shore Bancorp): PA community bank serving central and northern PA with similar community-banking model, consumer/business lending, and trust services to JVB.
Broad incumbents
- Fulton Financial Corporation: Large PA-headquartered regional bank operating across PA, NJ, DE, MD, and VA with a full-service consumer/commercial banking platform that competes with JVB in Central PA markets but at significantly greater scale.
- First Commonwealth Financial: Pennsylvania-based regional bank with consumer and business banking across central and western PA; competes with JVB in overlapping central PA counties with a broader branch network.
- DNB Financial Corporation (DNB First): Pennsylvania-based community/regional bank serving southeastern and central PA with personal, business, and wealth management services—overlapping with JVB in parts of central PA.
- S&T Bancorp: Western PA community bank with full-service consumer, commercial, and wealth management offerings; broader scale and footprint but similar community-bank DNA as a comparable for JVB.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
The Juniata Valley Bank social profiles
Digital presenceThe Juniata Valley Bank compliance and trust
Trust signalCompliance1 record
The Juniata Valley Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
The Juniata Valley Bank leadership team
Management profileNumber of profiles
The Juniata Valley Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
The Juniata Valley Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about The Juniata Valley Bank
What does The Juniata Valley Bank do?
The Juniata Valley Bank is a community bank offering deposit accounts (checking, savings, money market, IRAs, CDs), consumer and commercial loans (mortgages, home equity, auto, business loans), trust and estate administration services, and investment services through a network of 15 branch offices in central Pennsylvania. Operating subsidiary of Juniata Valley Financial Corp. (OTCMKTS: JUVF), the bank targets households, small businesses, and local municipalities in its six-county footprint.
Is The Juniata Valley Bank a public or private company?
The Juniata Valley Bank is a public company. It is classified as public and is currently operating.
When was The Juniata Valley Bank founded?
The Juniata Valley Bank was founded in 1867. It employs 101 to 250 people.
Where is The Juniata Valley Bank based?
The Juniata Valley Bank is headquartered in Mifflintown, United States, in the North America region.
How does The Juniata Valley Bank make money?
Three revenue lines are on record. Net Interest Income is the primary driver. The others are non-Interest Income and credit Card Revenue.
Who are The Juniata Valley Bank's main competitors?
Direct peers on record are ACNB Corporation, Penns Woods Bancorp, Mid Penn Bancorp, First Keystone Corporation, Citizens Financial Services and Jersey Shore State Bank (Jersey Shore Bancorp). Broad incumbents are Fulton Financial Corporation, First Commonwealth Financial, DNB Financial Corporation (DNB First) and S&T Bancorp.
Does The Juniata Valley Bank have an API?
No public API is recorded for The Juniata Valley Bank.
What industry is The Juniata Valley Bank in?
The Juniata Valley Bank's product category is Community Banking. Its primary akta.pro industry code is FSABABAC, SME Deposits & Business Accounts (Operating, Savings, CDs), with a secondary code of FSABAAAI, Small Business Banking (Microbusiness/Sole Proprietor). Its NAICS code is 52211 and its SIC code is 6022.