UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

Current Report

Pursuant to Section 13 or 15(d) of

The Securities Exchange Act of 1934

August 18, 2025

Date of Report (Date of earliest event reported)

Muncy Columbia Financial Corporation

(Exact name of registrant as specified in its charter)

1199 Lightstreet Road

Bloomsburg, PA 17815

(Address of principal executive offices)

570-784-4400

(Registrant’s telephone number, including area code)

232 East Street

Bloomsburg, PA 17815

(Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4 (c))

Securities registered pursuant to Section 12(b) of the Exchange Act:

Indicated by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR 230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR 240.12b-2) ☐

If an emerging growth company, indicate by check mark if registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act ☐

ITEM 5.03 Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year.

On August 18, 2025, Muncy Columbia Financial Corporation (the “Company”) filed a Statement of Change of Registered Office with the Pennsylvania Department of State, amending its articles of incorporation to change the registered office of the Company to 1199 Lightstreet Road, Bloomsburg, Pennsylvania 17815. A copy of the Amended and Restated Articles of Incorporation of the Company, as amended by the Statement of Change of Registered Office, are attached as Exhibit 3.1 to this Current Report on Form 8-K and incorporated herein by reference.

Journey Bank (the “Bank”), the wholly-owned banking subsidiary of Muncy Columbia Financial Corporation, filed Articles of Amendment with the Pennsylvania Department of State that became effective on August 15, 2025 changing the principal place of business of the Bank to 1199 Lightstreet Road, Bloomsburg, Pennsylvania 17815.

The former registered office of the Company and principal place of business of the Bank located at 232 East Street, Bloomsburg, Pennsylvania 17815, will continue to operate as a branch office of the Bank.

ITEM 9.01 FINANCIAL STATEMENTS AND EXHIBITS.

(a) Not applicable

(b) Not applicable

(c) Not applicable

(d) Exhibits.

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.