Citizens & Northern Corporation (CZNC)

NASDAQ: CZNC · Real-Time Price · USD

20.26

-0.50 (-2.41%)

At close: May 15, 2026, 4:00 PM EDT

20.25

-0.01 (-0.05%)

After-hours: May 15, 2026, 4:10 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	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

Updated May 8, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q