Citizens Bancorp (CZBC)
OTCMKTS · Delayed Price · Currency is USD
16.00
0.00 (0.00%)
Aug 21, 2026, 3:02 PM EST
Citizens Bancorp Balance Sheet
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Assets
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash & Equivalents | 15.01 | 79.89 | 48.25 | 162.17 | 155.73 | 115.32 |
Investment Securities | 367.6 | 148.36 | 120.56 | 152.93 | 192.04 | 206.39 |
Mortgage-Backed Securities | - | 187.87 | 205.56 | 241.38 | 271.6 | 345.66 |
Total Investments | 367.6 | 336.23 | 326.13 | 394.31 | 463.64 | 552.05 |
Gross Loans | 389.62 | 364.8 | 376.7 | 407.38 | 380.05 | 362.66 |
Allowance for Loan Losses | -6.56 | -6.19 | -5.91 | -5.61 | -5.63 | -8.05 |
Other Adjustments to Gross Loans | - | -0.41 | -0.71 | -0.97 | -1.36 | -1.49 |
Net Loans | 383.06 | 358.2 | 370.08 | 400.8 | 373.06 | 353.12 |
Property, Plant & Equipment | 13.31 | 13.62 | 14.11 | 14.02 | 13.41 | 12.99 |
Accrued Interest Receivable | 3.92 | 3.8 | 3.92 | 4.36 | 3.84 | 3.77 |
Long-Term Deferred Tax Assets | 13.44 | 13.72 | 18.39 | 18.62 | 19.95 | 4.29 |
Other Real Estate Owned & Foreclosed | - | - | - | - | - | 0.73 |
Other Long-Term Assets | 27.06 | 26.27 | 26.62 | 25.43 | 24.25 | 23.82 |
Total Assets | 823.4 | 831.73 | 807.49 | 1,020 | 1,055 | 1,067 |
Liabilities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Interest Bearing Deposits | 702.43 | 353.87 | 334.94 | 374.84 | 499.4 | 465.23 |
Institutional Deposits | - | 1.07 | 1.36 | 2.66 | 2.97 | 2.68 |
Non-Interest Bearing Deposits | - | 350.62 | 370.69 | 374.81 | 453.36 | 448.54 |
Total Deposits | 702.43 | 705.56 | 706.98 | 752.31 | 955.73 | 916.45 |
Short-Term Borrowings | 22.82 | 25.72 | 14.49 | 18.68 | 28.48 | 43.93 |
Current Portion of Leases | - | 0.22 | - | - | - | - |
Other Current Liabilities | - | 1.2 | 1.9 | 2.07 | 2.52 | 3.28 |
Long-Term Debt | - | - | - | 160 | - | - |
Long-Term Leases | - | 0.67 | 1.08 | 0.9 | 1.05 | 0.6 |
Pension & Post-Retirement Benefits | - | 7.67 | 7.21 | 6.8 | 6.3 | 5.67 |
Other Long-Term Liabilities | 10.92 | 3.06 | 2.35 | 7.63 | 2.42 | 1.82 |
Total Liabilities | 736.17 | 744.1 | 734.01 | 948.39 | 996.5 | 971.74 |
Shareholders' Equity
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Preferred Stock, Non-Redeemable | 1.93 | 1.93 | 1.93 | 1.93 | 1.93 | 1.93 |
Total Preferred Equity | 1.93 | 1.93 | 1.93 | 1.93 | 1.93 | 1.93 |
Common Stock | 45.96 | 45.54 | 45.2 | 44.85 | 45.34 | 44.78 |
Retained Earnings | 65.64 | 64.94 | 63.65 | 62.25 | 58.44 | 51.86 |
Comprehensive Income & Other | -26.3 | -24.78 | -37.3 | -37.69 | -47.06 | -3.05 |
Total Common Equity | 85.3 | 85.7 | 71.55 | 69.41 | 56.72 | 93.59 |
Shareholders' Equity | 87.24 | 87.63 | 73.49 | 71.34 | 58.66 | 95.52 |
Total Liabilities & Equity | 823.4 | 831.73 | 807.49 | 1,020 | 1,055 | 1,067 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Total Debt | 22.82 | 26.61 | 15.57 | 179.57 | 29.53 | 44.53 |
Net Cash (Debt) | 52.05 | 53.28 | 32.69 | -17.4 | 126.2 | 70.79 |
Net Cash Growth | -36.30% | 63.02% | - | - | 78.27% | -53.67% |
Net Cash Per Share | 9.38 | 9.48 | 5.82 | -3.09 | 22.32 | 12.59 |
Filing Date Shares Outstanding | 4.9 | 5.62 | 5.59 | 5.57 | 5.66 | 5.62 |
Total Common Shares Outstanding | 4.9 | 5.62 | 5.59 | 5.57 | 5.66 | 5.62 |
Book Value Per Share | 17.41 | 15.24 | 12.80 | 12.45 | 10.03 | 16.64 |
Tangible Book Value | 85.3 | 85.7 | 71.55 | 69.41 | 56.72 | 93.59 |
Tangible Book Value Per Share | 17.41 | 15.24 | 12.80 | 12.45 | 10.03 | 16.64 |