Citizens & Northern Balance Sheet

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
Cash & Equivalents	46.06	126.17	56.88	55.05	104.95
Securities and Investments	506.58	402.38	415.76	498.03	517.68
Gross Loans	2,354	1,896	1,848	1,740	1,565
Allowance for Loan Losses	-31.05	-20.04	-19.21	-16.62	-13.54
Net Loans	2,323	1,876	1,829	1,723	1,551
Net Property, Plant & Equipment	27.76	21.34	21.63	21.57	20.68
Accrued Interest and Accounts Receivable	11.59	8.74	9.14	8.65	7.24
Other Intangible Assets	11.57	2.08	2.47	2.88	3.32
Goodwill	63.31	52.51	52.51	52.51	52.51
Long-Term Investments	61.09	51.21	63.67	31.21	30.67
Other Non-Earning Assets	81.19	70.41	64.6	60.98	39.3
Total Assets	3,132	2,611	2,516	2,454	2,328
Interest-bearing deposits	2,033	1,607	1,524	1,434	1,404
Noninterest-bearing deposits	531.44	486.57	490.55	563.84	521.21
Total Deposits	2,565	2,094	2,015	1,998	1,925
Short-Term Interbank Borrowing and Repurchase Agreements	-	-	138.34	62.35	28.04
Short-Term Borrowings	28.62	2.49	33.87	80.06	1.8
Long-Term Debt	160.85	205.18	39.55	39.37	47.71
Other Liabilities	36.57	33.79	26.64	25.61	23.63
Total Liabilities	2,791	2,335	2,253	2,205	2,026
Common Stock	18.3	16.03	16.03	16.03	16.03
Treasury Stock	-10.7	-13.33	-16.63	-12.52	-6.72
Additional Paid-in Capital	185.7	143.57	144.39	143.95	144.45
Accumulated Other Comprehensive Income	-22.8	-36.76	-38.44	-49.88	5.03
Retained Earnings	171.21	165.78	157.03	151.74	142.61
Shareholders' Equity	341.71	275.28	262.38	249.33	301.41
Total Liabilities & Equity	3,132	2,611	2,516	2,454	2,328
Total Debt	160.85	205.18	39.55	39.37	47.71
Net Cash (Debt)	-160.85	-205.18	-39.55	-39.37	-47.71
Net Cash Per Share	-10.09	-13.44	-2.60	-2.55	-3.02
Book Value	341.71	275.28	262.38	249.33	301.41
Book Value Per Share	21.42	18.04	17.21	16.13	19.11
Tangible Book Value	266.83	220.7	207.41	193.94	245.58
Tangible Book Value Per Share	16.73	14.46	13.61	12.55	15.57

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q