Citizens & Northern Corporation (CZNC)
NASDAQ: CZNC · Real-Time Price · USD
21.35
+0.45 (2.15%)
Jun 5, 2026, 4:00 PM EDT - Market closed
Citizens & Northern Balance Sheet
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 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 | 54.8 | 46.06 | 126.17 | 56.88 | 55.05 | 104.95 |
Securities and Investments | 497.37 | 506.58 | 402.38 | 415.76 | 498.03 | 517.68 |
Gross Loans | 2,385 | 2,354 | 1,896 | 1,848 | 1,740 | 1,565 |
Allowance for Loan Losses | -33.83 | -31.05 | -20.04 | -19.21 | -16.62 | -13.54 |
Net Loans | 2,351 | 2,323 | 1,876 | 1,829 | 1,723 | 1,551 |
Net Property, Plant & Equipment | 27.26 | 27.76 | 21.34 | 21.63 | 21.57 | 20.68 |
Accrued Interest and Accounts Receivable | 11.9 | 11.59 | 8.74 | 9.14 | 8.65 | 7.24 |
Other Intangible Assets | 10.76 | 11.57 | 2.08 | 2.47 | 2.88 | 3.32 |
Goodwill | 63.31 | 63.31 | 52.51 | 52.51 | 52.51 | 52.51 |
Long-Term Investments | 61.61 | 61.09 | 51.21 | 63.67 | 31.21 | 30.67 |
Other Non-Earning Assets | 86.32 | 81.19 | 70.41 | 64.6 | 60.98 | 39.3 |
Total Assets | 3,164 | 3,132 | 2,611 | 2,516 | 2,454 | 2,328 |
Interest-bearing deposits | 2,032 | 2,033 | 1,607 | 1,524 | 1,434 | 1,404 |
Noninterest-bearing deposits | 568.48 | 531.44 | 486.57 | 490.55 | 563.84 | 521.21 |
Total Deposits | 2,600 | 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 | 13.59 | 28.62 | 2.49 | 33.87 | 80.06 | 1.8 |
Long-Term Debt | 179.46 | 160.85 | 205.18 | 39.55 | 39.37 | 47.71 |
Other Liabilities | 35.68 | 36.57 | 33.79 | 26.64 | 25.61 | 23.63 |
Total Liabilities | 2,829 | 2,791 | 2,335 | 2,253 | 2,205 | 2,026 |
Common Stock | 18.3 | 18.3 | 16.03 | 16.03 | 16.03 | 16.03 |
Treasury Stock | -8.78 | -10.7 | -13.33 | -16.63 | -12.52 | -6.72 |
Additional Paid-in Capital | 184.33 | 185.7 | 143.57 | 144.39 | 143.95 | 144.45 |
Accumulated Other Comprehensive Income | -24.76 | -22.8 | -36.76 | -38.44 | -49.88 | 5.03 |
Retained Earnings | 166.48 | 171.21 | 165.78 | 157.03 | 151.74 | 142.61 |
Shareholders' Equity | 335.56 | 341.71 | 275.28 | 262.38 | 249.33 | 301.41 |
Total Liabilities & Equity | 3,164 | 3,132 | 2,611 | 2,516 | 2,454 | 2,328 |
Total Debt | 179.46 | 160.85 | 205.18 | 39.55 | 39.37 | 47.71 |
Net Cash (Debt) | -179.46 | -160.85 | -205.18 | -39.55 | -39.37 | -47.71 |
Net Cash Per Share | -11.04 | -10.09 | -13.44 | -2.60 | -2.55 | -3.02 |
Book Value | 335.56 | 341.71 | 275.28 | 262.38 | 249.33 | 301.41 |
Book Value Per Share | 20.64 | 21.42 | 18.04 | 17.21 | 16.13 | 19.11 |
Tangible Book Value | 261.5 | 266.83 | 220.7 | 207.41 | 193.94 | 245.58 |
Tangible Book Value Per Share | 16.08 | 16.73 | 14.46 | 13.61 | 12.55 | 15.57 |