Minimum

Regulatory

Requirements

to be Well

Capitalized

Minimum Requirement

under Prompt

(Dollars in thousands)

for Capital

Corrective Action

Actual

Adequacy Purposes

Provisions

The Juniata Valley Bank

Amount

Ratio

Amount

Ratio

Amount

Ratio

As of December 31, 2024:

Total Capital (to Risk Weighted Assets)

$

76,389

12.78

%

$

47,822

8.00

%

$

59,778

10.00

%

Tier 1 Capital (to Risk Weighted Assets)

70,206

11.74

%

35,867

6.00

%

47,822

8.00

%

Common Equity Tier 1 Capital (to Risk Weighted Assets)

70,206

11.74

%

26,900

4.50

%

38,856

6.50

%

Tier 1 Capital (to Average Assets) Leverage

70,206

8.26

%

33,987

4.00

%

42,483

5.00

%

As of December 31, 2023:

Total Capital (to Risk Weighted Assets)

$

73,726

12.50

%

$

47,196

8.00

%

$

58,995

10.00

%

Tier 1 Capital (to Risk Weighted Assets)

68,049

11.53

%

35,397

6.00

%

47,196

8.00

%

Common Equity Tier 1 Capital (to Risk Weighted Assets)

68,049

11.53

%

26,548

4.50

%

38,347

6.50

%

Tier 1 Capital (to Average Assets) Leverage

68,049

8.04

%

33,876

4.00

%

42,345

5.00

%