Muncy Bank Financial, Inc. Announces Earnings

Muncy Bank Financial, Inc., (OTC:MYBF), the parent company of The Muncy
Bank and Trust Company (“Bank”), recently released the financial results
for the twelve months ended December 31, 2018.

Financial Highlights

Financial highlights for Muncy Bank Financial, Inc. for the twelve
months ended December 31, 2018 compared to 2017 include:

• Dividend paid increased to $1.30/share compared to $1.22/share in 2017
• Shareholders’ Equity increased 5% to $45,477,000
• Total Deposits increased 15% to $408,957,000
• Net Loans increased 8% to $368,418,000
• Total Assets increased 8% to $459,665,000
• Return on Average Assets was 1.05% compared to 0.68% in 2017
• Return on Average Equity was 10.65% compared to 6.48% in 2017

Net income through December 31, 2018 was $4,658,000 or $3.19 per share,
compared to $2,800,000 or $1.90 per share for the same period in 2017.

The Bank’s loan portfolio remained strong with an overall delinquency
ratio of 1.95% of gross loans as of December 31, 2018, compared to 2.02%
in 2017. The allowance for loan losses was $3,995,000 or 1.07% of gross
loans in 2018, compared to $3,854,000 or 1.12% of gross loans in 2017.
Total deposits increased to $408,957,000 compared to $356,302,000 for
the same period in 2017.

Muncy Bank Financial, Inc. increased dividends 6.6% to $1.30 per share
for the year ended December 31, 2018, compared to $1.22 per share for
the year ended December 31, 2017. The fourth quarter 2018 dividend
represented the 333rd consecutive dividend payout dating back to 1935.
Muncy Bank Financial Inc. has increased its dividend payout since 1990.

About Muncy Bank Financial, Inc.

Muncy Bank Financial, Inc. is the bank holding company for The Muncy
Bank & Trust Company. The Muncy Bank & Trust Company serves customers
through their retail banking, commercial banking, and financial services
divisions. Muncy Bank offices are located in the communities of Muncy,
Clarkstown, Hughesville, Montoursville, Dewart, Avis and Linden.

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