Citizens & Northern Corporation (CZNC)

Citizens & Northern Balance Sheet

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	46.06	123.57	52.78	47.7	95.85
Investment Securities	202.83	187.8	203.15	277.44	296.88
Trading Asset Securities	-	2.39	2.79	3.64	3.1
Mortgage-Backed Securities	303.75	217.18	216.71	227.95	229.9
Total Investments	506.58	407.37	422.65	509.02	529.88
Gross Loans	2,354	1,900	1,853	1,745	1,569
Allowance for Loan Losses	-31.05	-20.04	-19.21	-16.62	-13.54
Other Adjustments to Gross Loans	-	-4.14	-4.46	-4.73	-4.25
Net Loans	2,323	1,876	1,829	1,723	1,551
Property, Plant & Equipment	27.76	24.49	25.2	25.71	24.43
Goodwill	63.31	52.51	52.51	52.51	52.51
Other Intangible Assets	11.57	2.08	2.47	2.88	3.32
Accrued Interest Receivable	-	8.74	9.14	8.65	7.24
Long-Term Deferred Tax Assets	-	19.1	17.44	20.88	5.89
Other Real Estate Owned & Foreclosed	0.19	0.18	0.48	0.28	0.68
Other Long-Term Assets	153.69	81.79	88.78	49.09	47.23
Total Assets	3,132	2,611	2,516	2,454	2,328
Interest Bearing Deposits	2,565	1,432	1,390	1,348	1,328
Institutional Deposits	-	175.45	134.09	85.64	75.38
Non-Interest Bearing Deposits	-	486.57	490.55	563.84	521.21
Total Deposits	2,565	2,094	2,015	1,998	1,925
Short-Term Borrowings	-	4.88	36.67	83.72	4.91
Current Portion of Long-Term Debt	-	44.52	32.16	9.3	15.45
Current Portion of Leases	-	0.67	-	-	-
Accrued Interest Payable	-	1.77	1.53	0.46	0.21
Long-Term Debt	39.92	39.73	39.55	39.37	47.71
Federal Home Loan Bank Debt, Long-Term	149.55	120.94	106.18	53.04	12.59
Long-Term Leases	-	2.48	3.57	4.13	3.75
Pension & Post-Retirement Benefits	-	1.54	1.97	1.83	2.18
Other Long-Term Liabilities	36.57	24.94	16.78	15.53	14.39
Total Liabilities	2,791	2,335	2,253	2,205	2,026
Common Stock	364.51	16.03	16.03	16.03	16.03
Additional Paid-In Capital	-	143.57	144.39	143.95	144.45
Retained Earnings	-	165.78	157.03	151.74	142.61
Treasury Stock	-	-13.33	-16.63	-12.52	-6.72
Comprehensive Income & Other	-22.8	-36.76	-38.44	-49.88	5.03
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	189.47	213.21	218.13	189.57	84.41
Net Cash (Debt)	-143.42	-84.65	-158.45	-130.89	23.64
Net Cash Growth	-	-	-	-	227.09%
Net Cash Per Share	-8.99	-5.55	-10.40	-8.47	1.50
Filing Date Shares Outstanding	17.82	15.47	15.38	15.56	15.83
Total Common Shares Outstanding	17.82	15.43	15.3	15.52	15.76
Book Value Per Share	19.17	17.84	17.15	16.07	19.13
Tangible Book Value	266.83	220.7	207.41	193.94	245.58
Tangible Book Value Per Share	14.97	14.30	13.56	12.50	15.58

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

SEC Filings: 10-K · 10-Q