Citizens & Northern Corporation (CZNC)

NASDAQ: CZNC · Real-Time Price · USD

25.32

-0.04 (-0.16%)

At close: Aug 10, 2026, 4:00 PM EDT

25.32

0.00 (0.00%)

After-hours: Aug 10, 2026, 7:34 PM EDT

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	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	82.54	46.06	126.17	56.88	55.05	104.95
Securities and Investments	496.83	506.58	402.38	415.76	498.03	517.68
Gross Loans	2,349	2,354	1,896	1,848	1,740	1,565
Allowance for Loan Losses	-32.58	-31.05	-20.04	-19.21	-16.62	-13.54
Net Loans	2,316	2,323	1,876	1,829	1,723	1,551
Net Property, Plant & Equipment	26.71	27.76	21.34	21.63	21.57	20.68
Accrued Interest and Accounts Receivable	10.94	11.59	8.74	9.14	8.65	7.24
Other Intangible Assets	9.94	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	62.14	61.09	51.21	63.67	31.21	30.67
Other Non-Earning Assets	83.31	81.19	70.41	64.6	60.98	39.3
Total Assets	3,152	3,132	2,611	2,516	2,454	2,328
Interest-bearing deposits	2,046	2,033	1,607	1,524	1,434	1,404
Noninterest-bearing deposits	557.89	531.44	486.57	490.55	563.84	521.21
Total Deposits	2,604	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	14.64	28.62	2.49	33.87	80.06	1.8
Long-Term Debt	155.39	160.85	205.18	39.55	39.37	47.71
Other Liabilities	32.08	36.57	33.79	26.64	25.61	23.63
Total Liabilities	2,806	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	-8.06	-10.7	-13.33	-16.63	-12.52	-6.72
Additional Paid-in Capital	184.34	185.7	143.57	144.39	143.95	144.45
Accumulated Other Comprehensive Income	-23.96	-22.8	-36.76	-38.44	-49.88	5.03
Retained Earnings	175.52	171.21	165.78	157.03	151.74	142.61
Shareholders' Equity	346.14	341.71	275.28	262.38	249.33	301.41
Total Liabilities & Equity	3,152	3,132	2,611	2,516	2,454	2,328
Total Debt	155.39	160.85	205.18	39.55	39.37	47.71
Net Cash (Debt)	-72.86	-114.8	-79.01	17.33	15.68	57.24
Net Cash Growth	-	-	-	10.55%	-72.61%	-32.90%
Net Cash Per Share	-4.25	-7.20	-5.18	1.14	1.01	3.63
Book Value	346.14	341.71	275.28	262.38	249.33	301.41
Book Value Per Share	20.19	21.42	18.04	17.21	16.13	19.11
Tangible Book Value	272.88	266.83	220.7	207.41	193.94	245.58
Tangible Book Value Per Share	15.91	16.73	14.46	13.61	12.55	15.57

SEC Filings: 10-K · 10-Q