Juniata Valley Financial Corp
Business Description
Juniata operates primarily in central and northern Pennsylvania with the purpose
of delivering financial services within its local markets. The Company provides
retail and commercial banking services through 15 offices in the following locations:
five community offices in Juniata County; five community offices in Mifflin County,
as well as a financial services office; two community offices in McKean County;
one community office in each of Potter, Perry and Huntingdon Counties; and a loan
production office in Centre County. The Company offers a full range of consumer
and commercial banking services. Consumer banking services include: Internet banking;
mobile banking; telephone banking; twelve automated teller machines; personal
checking accounts; club 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. Commercial banking services include: low and high-volume
business checking accounts; Internet account management services; remote deposit
capability; ACH origination; payroll direct deposit; commercial lines of credit;
commercial letters of credit; and commercial term and demand loans. The Bank provides
comprehensive trust, asset management and estate services, and the Company has
a contractual arrangement with a broker-dealer to offer a full range of financial
services, including annuities, mutual funds, stock and bond brokerage services
and long-term care insurance to the Bank’s customers. Management believes
the Bank has a relatively stable deposit base with no major seasonal depositor
or group of depositors. Most of the Company’s commercial customers are small
and mid-sized businesses in central and northern Pennsylvania.
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