Muncy Bank Financial, Inc. is a holding company of The Muncy Bank & Trust Company (the Bank). The Bank provides a variety of financial services including, but not limited to, consumer loans, credit lines, commercial loans, real estate loans, investment services, trust services. The Bank offers various types of demand and time deposits, including checking accounts, savings accounts, money market accounts, certificates of deposit, and individual retirement accounts (IRAs). It provides services to individuals, non-profits, and corporations. It provides wealth management services, such as estate administration, investment management services, living/grantor trusts, charitable trusts, irrevocable trusts, guardianship, and special needs trusts. The Bank offers cash management services, check positive pay, merchant services and online wire transfer. It also offers commercial mortgage loans, equipment loans, and commercial lines of credit.