Citizens & Northern Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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 Income on Loans	139.22	117.23	102.52	81.29	76.7
Interest Income on Investments	-	10.85	10.98	11.36	7.8
Total Interest Income	139.22	128.08	113.5	92.65	84.5
Interest Paid on Deposits	47.36	39.2	24.23	6.64	4.54
Interest Paid on Borrowings	-	9.76	8.87	2.88	2.02
Total Interest Expense	47.36	48.96	33.1	9.52	6.56
Net Interest Income	91.85	79.12	80.4	83.13	77.94
Net Interest Income Growth (YoY)	16.10%	-1.60%	-3.28%	6.66%	15.35%
Trust Income	8.21	7.93	7.41	6.99	7.23
Gain (Loss) on Sale of Investments	0.04	-	-3.04	0.02	0.02
Other Non-Interest Income	15.14	14.26	13.75	11.64	10.56
Total Non-Interest Income	30.85	29.21	24.42	24.43	25.88
Non-Interest Income Growth (YoY)	5.63%	19.63%	-0.06%	-5.60%	5.58%
Revenues Before Loan Losses	122.71	108.32	104.82	107.56	103.82
Provision for Loan Losses	6.07	2.2	0.19	7.26	3.66
Revenue	116.63	106.13	104.63	100.31	100.16
Revenue Growth (YoY)	9.90%	1.43%	4.31%	0.15%	13.60%
Salaries and Employee Benefits	47.39	42.77	41.48	39.4	35.35
Occupancy Expenses	5.86	4.81	4.71	4.93	4.49
Selling, General & Administrative	11.5	12.77	13.44	11.84	10.89
Other Non-Interest Expense	15.3	13.91	14.52	11.78	11.74
Total Non-Interest Expense	80.05	74.26	74.15	67.96	62.47
EBT Excluding Unusual Items	36.58	31.87	30.48	32.35	37.69
Pretax Income	28.64	31.87	30.48	32.35	37.69
Income Tax Expense	5.22	5.91	6.34	5.73	7.13
Net Income	23.43	25.96	24.15	26.62	30.55
Preferred Dividends & Other Adjustments	0.18	0.21	0.19	0.24	0.24
Net Income to Common	23.25	25.75	23.96	26.38	30.31
Net Income Growth	-9.75%	7.50%	-9.28%	-12.88%	58.95%
Basic Shares Outstanding	16	15	15	15	16
Diluted Shares Outstanding	16	15	15	15	16
Shares Change (YoY)	4.50%	0.14%	-1.40%	-1.99%	6.95%
EPS (Basic)	1.46	1.69	1.57	1.71	1.92
EPS (Diluted)	1.46	1.69	1.57	1.71	1.92
EPS Growth	-13.61%	7.45%	-8.02%	-11.10%	48.16%
Dividend Per Share	1.120	1.120	1.120	1.120	1.120
Dividend Growth	-	-	-	-	3.70%
Effective Tax Rate	18.21%	18.55%	20.78%	17.72%	18.93%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

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