Juniata Valley Financial Corp. · OTC:JUVF
Juniata Valley Financial — Shareholder Meeting (May 2026)
19 slides from Juniata Valley Financial's shareholder meeting presentation, May 19, 2026
Slide 1: Building Momentum: 2026 Annual Meeting
BUILDING MOMENTUM Juniata Valley Financial Corp. 2026 Annual Meeting May 19, 2026 Exhibit 99.1
Slide 2: Martin Dreibelbis, Chairman
MARTIN DREIBELBIS CHAIRMAN
Slide 3: Agenda
AGENDA • Call to Order • Rules of Conduct • Introduction of Members of the Board of Directors • Determine Presence of Quorum, Approval of Minutes, Appointment of Judges of Election • Nominations • Management’s Presentation – Building Momentum • Questions/Comments • Voting Tabulation • Adjournment
Slide 4: Board of Directors
BOARD OF DIRECTORS Martin Dreibelbis Chairman Christina Calkins-Mazur Joseph Scarnati III Steven Sliver Gary Kelsey Marcie Barber Michael Buffington Vice Chairman John Henry IV
Slide 5: Meeting Business
MEETING BUSINESS Determine Presence of Quorum, Approval of Minutes, Appointment of Judges of Election Election of Directors “Say on Pay” 2026 Long-Term Incentive Plan
Slide 6: Forward Looking Statements
FORWARD LOOKING STATEMENTS This presentation may contain “forward looking” information as defined by the Private Securities Litigation Reform Act of 1995. When words such as “believes”, “expects”, “anticipates” or similar expressions are used in this presentation, Juniata is making forward-looking s
Slide 7: Building Momentum
BUILDING MOMENTUM MARCIE BARBER PRESIDENT AND CEO MICHAEL WOLF EVP AND CFO
Slide 8: Year-Over-Year Comparative Financial Results
YEAR-OVER-YEAR COMPARATIVE FINANCIAL RESULTS Earnings Highlights 2025 2024 Net Income (in thousands) $7,983 $6,229 Return on Average Assets 0.92% 0.72% Return on Average Equity 15.30% 14.19% Net Interest Margin (fully tax equivalent) 2.98% 2.71% Loans to Deposits 76.92 71.38% Efficiency Ratio 66.61%
Slide 9: Ten-Year Asset Trend
$580,354 $591,945 $625,236 $670,632 $793,718 $810,518 $830,875 $871,811 $848,874 $895,263 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 At December 31, (in thousands) TEN-YEAR ASSET TREND
Slide 10: Diversified Deposit Base
DIVERSIFIED DEPOSIT BASE • Stable and growing core deposit base • Time deposit growth continued • Increase in demand deposits and savings account balances in 2025 • Deposit mix remains relatively consistent over the last five years • Only 16.2% of totals deposits are uninsured at December 31, 2025 2
Slide 11: Loan Diversification
LOAN DIVERSIFICATION • Loan growth of 12.6% in 2025 • Commercial loan growth through organic growth within and outside of our branch footprint • Residential mortgage loan growth for the fourth consecutive year after a decade of declining balances • Growth without sacrificing asset quality • Relative
Slide 12: Credit Quality and Coverage
CREDIT QUALITY AND COVERAGE ALL / ACL (in thousands) Dec-21 Dec-22 Dec-23 Dec-24 Dec-25 Total Loans $ 418,303 $ 484,512 $ 525,394 $ 533,869 $ 601,378 Total reserves $ 4,041 $ 4,372 $ 5,677 $ 6,183 $ 7,038 Reserve coverage ratio 0.99% 0.90% 1.08% 1.16% 1.18% RESERVES MINIMAL NON-PERFORMING LOANS LOW
Slide 13: Capital and Liquidity at December 31, 2025
CAPITAL AND LIQUIDITY AT DECEMBER 31, 2025 • JVB is well capitalized • Tier one risk-based capital 11.4% versus minimum requirement plus capital conservation buffer of 8.5% • Total risk-based capital 12.5% versus minimum requirement plus capital conservation buffer of 10.5% • Liquid Assets 8.1% of T
Slide 14: Moving Forward in 2026
MOVING FORWARD IN 2026 Centre County Region Expansion Senator McCormick & PA Bankers Association Philadelphia Federal Reserve Bank PA State Police & local agencies partnership against fraud
Slide 15: Belleville Office Opening 2026
BELLEVILLE OFFICE OPENING 2026
Slide 16: 2026 First Quarter Financial Results
2026 FIRST QUARTER FINANCIAL RESULTS Earnings Highlights 2026 Quarter 1 2025 Quarter 1 Net Income (in thousands) $2,797 $2,008 Return on Average Assets 1.25% 0.94% Return on Average Equity 19.04% 16.55% Net Interest Margin (fully tax equivalent) 3.39% 2.83% Loans to Deposits 77.36% 71.99% Efficiency
Slide 17: Questions & Comments
QUESTIONS & COMMENTS This presentation has been filed with the SEC on a Form 8-K
Slide 18: Vote Tabulation Report
VOTE TABULATION REPORT LISA SNYDER
Slide 19: Meeting Adjournment
MEETING ADJOURNMENT Juniata Valley Financial Corp. 2026 Annual Meeting May 19, 2026
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