Citizens & Northern Corporation (CZNC)
NASDAQ: CZNC · Real-Time Price · USD
25.32
-0.02 (-0.08%)
Sep 1, 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.
Assets
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 | 81.44 | 44.71 | 123.57 | 52.78 | 47.7 | 95.85 |
Investment Securities | 206.11 | 204.18 | 187.8 | 203.15 | 277.44 | 296.88 |
Trading Asset Securities | 1.06 | 1.32 | 2.39 | 2.79 | 3.64 | 3.1 |
Mortgage-Backed Securities | 292.7 | 303.75 | 217.18 | 216.71 | 227.95 | 229.9 |
Total Investments | 499.87 | 509.25 | 407.37 | 422.65 | 509.02 | 529.88 |
Gross Loans | 2,353 | 2,358 | 1,900 | 1,853 | 1,745 | 1,569 |
Allowance for Loan Losses | -32.58 | -31.05 | -20.04 | -19.21 | -16.62 | -13.54 |
Other Adjustments to Gross Loans | -4.17 | -4.07 | -4.14 | -4.46 | -4.73 | -4.25 |
Net Loans | 2,316 | 2,323 | 1,876 | 1,829 | 1,723 | 1,551 |
Property, Plant & Equipment | 26.71 | 31.33 | 24.49 | 25.2 | 25.71 | 24.43 |
Goodwill | 63.31 | 63.31 | 52.51 | 52.51 | 52.51 | 52.51 |
Other Intangible Assets | 9.94 | 11.57 | 2.08 | 2.47 | 2.88 | 3.32 |
Loans Held for Sale | - | 1.59 | 2.49 | - | - | - |
Accrued Interest Receivable | 10.94 | 11.59 | 8.74 | 9.14 | 8.65 | 7.24 |
Long-Term Deferred Tax Assets | 18.62 | 17.62 | 19.1 | 17.44 | 20.88 | 5.89 |
Other Real Estate Owned & Foreclosed | 0.18 | 0.19 | 0.18 | 0.48 | 0.28 | 0.68 |
Other Long-Term Assets | 104.6 | 99.27 | 79.31 | 88.78 | 49.09 | 47.23 |
Total Assets | 3,152 | 3,132 | 2,611 | 2,516 | 2,454 | 2,328 |
Liabilities
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 |
Interest Bearing Deposits | 2,046 | 1,818 | 1,432 | 1,390 | 1,348 | 1,328 |
Institutional Deposits | - | 215.57 | 175.45 | 134.09 | 85.64 | 75.38 |
Non-Interest 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 Borrowings | 15.7 | 29.94 | 4.88 | 36.67 | 83.72 | 4.91 |
Current Portion of Long-Term Debt | 24.42 | 62.99 | 44.52 | 32.16 | 9.3 | 15.45 |
Current Portion of Leases | - | 0.72 | - | - | - | - |
Accrued Interest Payable | 1.39 | 1.74 | 1.77 | 1.53 | 0.46 | 0.21 |
Long-Term Debt | 25 | 24.95 | 39.73 | 39.55 | 39.37 | 47.71 |
Federal Home Loan Bank Debt, Long-Term | 105.97 | 72.92 | 120.94 | 106.18 | 53.04 | 12.59 |
Long-Term Leases | - | 2.86 | 3.15 | 3.57 | 4.13 | 3.75 |
Pension & Post-Retirement Benefits | - | 0.51 | 0.63 | 1.97 | 1.83 | 2.18 |
Other Long-Term Liabilities | 29.63 | 29.41 | 25.86 | 16.78 | 15.53 | 14.39 |
Total Liabilities | 2,806 | 2,791 | 2,335 | 2,253 | 2,205 | 2,026 |
Shareholders' Equity
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 |
Common Stock | 18.3 | 18.3 | 16.03 | 16.03 | 16.03 | 16.03 |
Additional Paid-In Capital | 184.34 | 185.7 | 143.57 | 144.39 | 143.95 | 144.45 |
Retained Earnings | 175.52 | 171.21 | 165.78 | 157.03 | 151.74 | 142.61 |
Treasury Stock | -8.06 | -10.7 | -13.33 | -16.63 | -12.52 | -6.72 |
Comprehensive Income & Other | -23.96 | -22.8 | -36.76 | -38.44 | -49.88 | 5.03 |
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 |
Additional Metrics
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 |
Total Debt | 171.09 | 194.37 | 213.21 | 218.13 | 189.57 | 84.41 |
Net Cash (Debt) | -87.5 | -147 | -84.65 | -158.45 | -130.89 | 23.64 |
Net Cash Growth | - | - | - | - | - | 227.09% |
Net Cash Per Share | -5.10 | -9.22 | -5.55 | -10.40 | -8.47 | 1.50 |
Filing Date Shares Outstanding | 17.93 | 17.91 | 15.47 | 15.38 | 15.56 | 15.83 |
Total Common Shares Outstanding | 17.94 | 17.82 | 15.43 | 15.3 | 15.52 | 15.76 |
Book Value Per Share | 19.29 | 19.17 | 17.84 | 17.15 | 16.07 | 19.13 |
Tangible Book Value | 272.88 | 266.83 | 220.7 | 207.41 | 193.94 | 245.58 |
Tangible Book Value Per Share | 15.21 | 14.97 | 14.30 | 13.56 | 12.50 | 15.58 |