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Juniata Valley Financial Corp
2 South Main St,
P O Box 66
Phone: (717) 436-8211p:717 436-8211 MIFFLINTOWN, PA  17059-0066  United States Ticker: JUVFJUVF
Business Summary
Juniata Valley Financial Corp. is a bank holding company of The Juniata Valley Bank (the Bank). The Company provides retail and commercial banking and other financial services through 15 branches. It offers a full range of consumer and commercial banking services. Its consumer banking services include online account opening; online banking, mobile banking, telephone banking, automated teller machines, personal checking accounts, checking overdraft privileges, money market deposit accounts, savings accounts, debit cards, certificates of deposit, individual retirement accounts, secured lines of credit, construction and mortgage loans, and safe deposit boxes. Its commercial banking services include low and high-volume business checking accounts, online account management services, remote deposit capability, ACH origination, payroll direct deposit, commercial lines of credit, commercial letters of credit, mobile deposit for small business customers, and commercial term and demand loans.

Scores and Ratings
FRISK®
Score		 Z''
Score		 PAYCE®
Score		 DBT
Index		 Moody's
Rating		 Fitch
Rating		 DBRS
Rating
Yes--Yes---

Financials, News and Filings
Latest
Statement		 Last
Audit
News		 SEC
Filings		 Bankruptcy
Filings		 Suit &
Judgment
Filings		 Tax
Lien
Filings
9/30/202412/31/2023YesYes---

Industries
SIC Code Description
6022 State commercial banks
6029 Commercial banks, not elsewhere classified
6712 Offices of bank holding companies

Officers and Directors

Title
Name
Age		 Title
Date		 Start
Date
Independent Chairman of the Board Martin L.Dreibelbis 70 6/30/2023 1/1/1998
President, Chief Executive Officer, Director Marcie A.Barber 65 7/8/2010 1/1/2007
Independent Vice Chairman of the Board Gary E.Kelsey 61 6/30/2023 12/21/2015
4 additional Officers and Directors records available in full report.

Subsidiaries
Business Name Address City State/Province Country
LIVERPOOL COMMUNITY BANK 104 N FRONT ST LIVERPOOL PA United States
The Juniata Valley Bank PO Box 66 Mifflintown PA United States
First National Bank of Port Allegany 64 Main Street Port Allegany PA United States
FNBPA Bancorp, Inc. 64 Main Street Port Allegany PA United States

Business Names
Business Name
First National Bank of Port Allegany
FNBPA Bancorp, Inc.
JUVF
The Juniata Valley Bank

General Information
Number of Employees: 122 (As of 12/31/2023)
Outstanding Shares: 5,003,384 (As of 9/30/2024)
Shareholders: 1,638
Stock Exchange: OTC
Federal Tax Id: 232235254


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Monday, December 2, 2024