Material Event (Form 8-K)

Press Release - For Immediate Release

April 23, 2026

Muncy Columbia Financial Corporation Declares Stock Split

Bloomsburg, PA - Muncy Columbia Financial Corporation ("Corporation") (OTCQX: CCFN), parent company of Journey Bank ("Bank"), announced that on April 23, 2026, the Corporation's Board of Directors declared a three-for-one stock split on its outstanding shares of common stock.

Stock Split

On April 23, 2026, the Corporation's Board of Directors declared a three-for-one stock split in the form of a 200% stock dividend on its outstanding shares of common stock. Each shareholder of record as of the close of business on May 7, 2026 will receive two additional shares of common stock for each share then held, to be distributed after the close of business on May 14, 2026. Based on the number of shares currently outstanding, the Corporation will have 10,612,227 shares of common stock issued and outstanding, net of treasury shares, on a split-adjusted basis.

"We are very pleased with our recent financial performance and are happy to recognize and reward our shareholders with this three-for-one stock split," stated Lance O. Diehl, President and CEO. "The additional shares issued will allow for increased liquidity and daily trading volumes as well as greater participation of existing shareholders at value prices," Diehl explained.

About Muncy Columbia Financial Corporation

Muncy Columbia Financial Corporation ("MCFC") is a registered financial holding company headquartered in Bloomsburg, Pennsylvania. MCFC has one subsidiary bank, Journey Bank, serving individuals, families, nonprofits and business clients throughout Clinton, Columbia, Luzerne, Lycoming, Montour, Northumberland and Sullivan Counties through 22 banking offices.