Citizens & Northern Income Statement

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
Interest Income on Loans	143.23	126.51	117.23	102.52	81.29	76.7
Interest Income on Investments	13.98	12.71	10.85	10.98	11.36	7.8
Total Interest Income	157.21	139.22	128.08	113.5	92.65	84.5
Interest Paid on Deposits	40.48	39.48	39.2	24.23	6.64	4.54
Interest Paid on Borrowings	7.92	7.89	9.76	8.87	2.88	2.02
Total Interest Expense	48.4	47.36	48.96	33.1	9.52	6.56
Net Interest Income	108.81	91.85	79.12	80.4	83.13	77.94
Net Interest Income Growth	33.11%	16.10%	-1.60%	-3.28%	6.66%	15.35%
Trust Income	8.47	8.21	7.93	7.41	6.99	7.23
Gain (Loss) on Sale of Investments	0.04	0.04	-	-3.04	0.02	0.02
Other Non-Interest Income	16.72	15.14	14.26	13.75	11.64	10.56
Total Non-Interest Income	33.7	30.85	29.21	24.42	24.43	25.88
Non-Interest Income Growth	12.96%	5.63%	19.63%	-0.06%	-5.60%	5.58%
Revenues Before Loan Losses	142.51	122.71	108.32	104.82	107.56	103.82
Provision for Loan Losses	15.24	6.07	2.2	0.19	7.26	3.66
Revenue	127.27	116.63	106.13	104.63	100.31	100.16
Revenue Growth	17.50%	9.90%	1.43%	4.31%	0.15%	13.60%
Salaries and Employee Benefits	48.95	45.37	42.77	41.48	39.4	35.35
Occupancy Expenses	5.83	5.07	4.81	4.71	4.93	4.49
Selling, General & Administrative	15.31	14.31	12.77	13.44	11.84	10.89
Other Non-Interest Expense	18.24	15.3	13.91	14.52	11.78	11.74
Total Non-Interest Expense	88.33	80.05	74.26	74.15	67.96	62.47
EBT Excluding Unusual Items	38.94	36.58	31.87	30.48	32.35	37.69
Pretax Income	31.17	28.64	31.87	30.48	32.35	37.69
Income Tax Expense	5.82	5.22	5.91	6.34	5.73	7.13
Net Income	25.35	23.43	25.96	24.15	26.62	30.55
Preferred Dividends & Other Adjustments	0.08	0.18	0.21	0.19	0.24	0.24
Net Income to Common	25.27	23.25	25.75	23.96	26.38	30.31
Net Income Growth	-5.46%	-9.72%	7.45%	-9.17%	-12.97%	58.66%
Basic Shares Outstanding	17	16	15	15	15	16
Diluted Shares Outstanding	17	16	15	15	15	16
Shares Change	12.01%	4.50%	0.14%	-1.40%	-1.99%	6.95%
EPS (Basic)	1.47	1.46	1.69	1.57	1.71	1.92
EPS (Diluted)	1.47	1.46	1.69	1.57	1.71	1.92
EPS Growth	-15.59%	-13.61%	7.45%	-8.02%	-11.10%	48.16%

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
Dividend Per Share	1.120	1.120	1.120	1.120	1.120	1.120
Dividend Growth	0%	0%	0%	0%	0%	3.70%
Effective Tax Rate	18.67%	18.21%	18.55%	20.78%	17.72%	18.93%

SEC Filings: 10-K · 10-Q