Muncy Bank Financial, Inc. is the holding company of The Muncy Bank and Trust Company (the Bank). The Bank is a state-chartered commercial bank located in Muncy, Pennsylvania, whose principal sources of revenues are derived from its commercial, mortgage, residential real estate, and consumer loan financing, as well as providing deposit, investment and trust services to its customers serviced by its five community banking offices. The Company provides personal banking, business banking, financial services and other services. Personal banking consists of personal checking, personal savings, personal loans, certificates of deposit (CD) and individual retirement accounts (IRA). Business banking includes business checking, business loans and business debit cards. Financial services consist of wealth management and investment services.