CZNC on Nasdaq
CITIZENS & NORTHERN CORP
Price unavailable
Last updated Oct 16, 2026.
Overview
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
What sells
Revenue by product, business segment and region, as the company reports it to the SEC.
Products and services
Deposit Account brought in 53% of the revenue CITIZENS & NORTHERN CORP broke down this way in fiscal 2025.
Products and services by year
| Products and services | 2023 | 2024 | 2025 |
|---|---|---|---|
| Deposit Account | $5.6M | $5.9M | $6.0M |
| Debit Card | $4.2M | $4.3M | $4.6M |
| Bank Servicing | $602.0K | $649.0K | $643.0K |
Financial statements
Every line of the income statement in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Taxable | $120.6M | $110.4M | $98.9M |
| Tax-exempt | $2.4M | $2.4M | $2.2M |
| Taxable | $10.4M | $8.6M | $8.6M |
| Tax-exempt | $2.3M | $2.3M | $2.4M |
| Other interest and dividend income | $3.5M | $4.4M | $1.4M |
| Total interest and dividend income | $139.2M | $128.1M | $113.5M |
| Interest on deposits | $39.5M | $39.2M | $24.2M |
| Interest on short-term borrowings | $7.0K | $1.2M | $3.2M |
| Interest on long-term borrowings - FHLB advances | $6.5M | $7.2M | $4.2M |
| Interest on senior notes, net | $931.0K | $481.0K | $479.0K |
| Interest on subordinated debt, net | $483.0K | $926.0K | $922.0K |
| Total interest expense | $47.4M | $49.0M | $33.1M |
| Net interest income | $91.9M | $79.1M | $80.4M |
| Provision for credit losses | $6.1M | $2.2M | $186.0K |
| Net interest income after provision for credit losses | $85.8M | $76.9M | $80.2M |
| Trust revenue | $8.2M | $7.9M | $7.4M |
| Brokerage and insurance revenue | $2.3M | $2.3M | $1.7M |
| Net gains from sale of loans | $1.5M | $1.2M | $723.0K |
| Increase in cash surrender value of life insurance | $1.9M | $1.8M | $2.7M |
| Other noninterest income | $5.6M | $5.2M | $4.6M |
| Realized gains on available-for-sale debt securities, net | $38.0K | $0 | -$3.0M |
| Total noninterest income | $30.9M | $29.2M | $24.4M |
| Salaries and employee benefits | $47.4M | $44.9M | $44.2M |
| Net occupancy and equipment expense | $5.9M | $5.5M | $5.4M |
| Data processing and telecommunications expense | $8.7M | $7.8M | $7.6M |
| Automated teller machine and interchange expense | $1.9M | $1.8M | $1.7M |
| Pennsylvania shares tax | $1.9M | $1.7M | $1.6M |
| Professional fees | $2.8M | $2.2M | $2.5M |
| Merger-related expenses | $7.9M | $0 | $0 |
| Other noninterest expense | $11.5M | $10.4M | $11.2M |
| Total noninterest expense | $88.0M | $74.3M | $74.1M |
| Income before income tax provision | $28.6M | $31.9M | $30.5M |
| Income tax provision | $5.2M | $5.9M | $6.3M |
| NET INCOME | $23.4M | $26.0M | $24.1M |
| EARNINGS PER COMMON SHARE - BASIC (in dollars per share) | $1.46 | $1.69 | $1.57 |
Every line of the balance sheet in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Noninterest-bearing | $22.3M | $21.1M | |
| Interest-bearing | $23.8M | $105.1M | |
| Total cash and due from banks | $46.1M | $126.2M | |
| Available-for-sale debt securities, at fair value | $506.6M | $402.4M | |
| Loans receivable | $2.4B | $1.9B | |
| Allowance for credit losses | -$31.0M | -$20.0M | |
| Loans, net | $2.3B | $1.9B | |
| Bank-owned life insurance | $61.1M | $51.2M | |
| Accrued interest receivable | $11.6M | $8.7M | |
| Bank premises and equipment, net | $27.8M | $21.3M | |
| Foreclosed assets held for sale | $189.0K | $181.0K | |
| Deferred tax asset, net | $17.6M | $19.1M | |
| Goodwill | $63.3M | $52.5M | $52.5M |
| Core deposit intangibles, net | $11.6M | $2.1M | |
| Other assets | $63.4M | $51.1M | |
| TOTAL ASSETS | $3.1B | $2.6B | |
| Noninterest-bearing | $531.4M | $486.6M | |
| Interest-bearing | $2.0B | $1.6B | |
| Total deposits | $2.6B | $2.1B | |
| Short-term borrowings | $28.6M | $2.5M | |
| Long-term borrowings - FHLB advances | $120.9M | $165.5M | |
| Senior notes, net | $15.0M | $14.9M | |
| Subordinated debt, net | $24.9M | $24.8M | |
| Accrued interest and other liabilities | $36.6M | $33.8M | |
| TOTAL LIABILITIES | $2.8B | $2.3B | |
| Common stock, par value $1.00 per share; authorized 30,000,000 shares; issued 18,303,120 and outstanding 17,823,444 at December 31, 2025; issued 16,030,172 and outstanding 15,433,494 at December 31, 2024 | $18.3M | $16.0M | |
| Paid-in capital | $185.7M | $143.6M | |
| Retained earnings | $171.2M | $165.8M | |
| Treasury stock, at cost; 479,676 shares at December 31, 2025 and 596,678 shares at December 31, 2024 | -$10.7M | -$13.3M | |
| Accumulated other comprehensive loss | -$22.8M | -$36.8M | |
| TOTAL STOCKHOLDERS' EQUITY | $341.7M | $275.3M | $262.4M |
| TOTAL LIABILITIES & STOCKHOLDERS' EQUITY | $3.1B | $2.6B | |
| Preferred stock, par value (in dollars per share) | $1,000.00 | $1,000.00 | |
| Preferred stock, authorized (in shares) | 30.0K shares | 30.0K shares | |
| Preferred stock, liquidation preference per share (in dollars per share) | $1.0K | $1.0K | |
| Preferred stock, shares issued (in shares) | 0 shares | 0 shares | |
| Common stock, par value (in dollars per share) | $1.00 | $1.00 | |
| Common stock, shares authorized (in shares) | 30.0M shares | 30.0M shares | |
| Common stock, shares issued (in shares) | 18.3M shares | 16.0M shares | |
| Common stock, shares outstanding (in shares) | 17.8M shares | 15.4M shares | |
| Treasury stock, shares (in shares) | 479.7K shares | 596.7K shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Net income | $23.4M | $26.0M | $24.1M |
| Provision for credit losses | $6.1M | $2.2M | $186.0K |
| Realized (gains) losses on available-for-sale debt securities, net | -$38.0K | $0 | $3.0M |
| Net amortization of securities | $1.4M | $1.6M | $2.1M |
| Increase in cash surrender value of life insurance | -$1.9M | -$1.8M | -$2.7M |
| Depreciation and amortization of bank premises and equipment | $2.4M | $2.2M | $2.2M |
| Net accretion of purchase accounting adjustments | -$91.0K | -$253.0K | -$288.0K |
| Stock-based compensation | $1.3M | $1.5M | $1.5M |
| Deferred income taxes | $2.7M | -$1.5M | $836.0K |
| Decrease in fair value of servicing rights | $258.0K | $164.0K | $200.0K |
| Net gains from sale of loans | -$1.5M | -$1.2M | -$723.0K |
| Origination of loans held for sale | -$47.6M | -$37.8M | -$24.6M |
| Proceeds from sales of loans held for sale | $49.6M | $36.8M | $25.1M |
| Increase in accrued interest receivable and other assets | -$755.0K | -$3.0M | -$1.4M |
| (Decrease) increase in accrued interest payable and other liabilities | -$3.3M | $8.0M | $4.2M |
| Other | $120.0K | $194.0K | -$66.0K |
| Net Cash Provided by Operating Activities | $32.0M | $33.0M | $33.5M |
| Net cash and cash equivalents provided by business combination | $5.8M | $0 | $0 |
| Proceeds from maturities of certificates of deposit | $1.2M | $1.5M | $3.2M |
| Proceeds from sales of available-for-sale debt securities | $143.2M | $0 | $60.8M |
| Proceeds from calls and maturities of available-for-sale debt securities | $50.8M | $39.2M | $52.3M |
| Purchase of available-for-sale debt securities | -$134.0M | -$25.8M | -$23.4M |
| Redemption of Federal Home Loan Bank of Pittsburgh stock | $4.1M | $7.0M | $22.6M |
| Purchase of Federal Home Loan Bank of Pittsburgh stock | -$2.3M | -$6.8M | -$23.7M |
| Purchase of Federal Reserve Bank stock | -$1.3M | -$47.0K | -$6.3M |
| Net increase in loans | -$65.8M | -$48.7M | -$107.4M |
| Proceeds from bank-owned life insurance | $0 | $14.3M | $363.0K |
| Purchase of bank-owned life insurance | $0 | $0 | -$30.0M |
| Purchase of premises and equipment | -$1.9M | -$1.9M | -$2.3M |
| Proceeds from sale of foreclosed assets | $346.0K | $293.0K | $267.0K |
| Other | $42.0K | $33.0K | $109.0K |
| Net Cash Provided by (Used in) Investing Activities | $196.0K | -$20.9M | -$53.2M |
| Net (decrease) increase in deposits | -$30.4M | $79.1M | $17.2M |
| Net decrease in short-term borrowings | -$19.7M | -$31.4M | -$46.2M |
| Proceeds from long-term borrowings - FHLB advances | $0 | $59.4M | $85.4M |
| Repayments of long-term borrowings - FHLB advances | -$44.5M | -$32.2M | -$9.4M |
| Purchases of treasury stock | -$218.0K | -$629.0K | -$6.8M |
| Common dividends paid | -$16.3M | -$15.5M | -$15.6M |
| Net Cash (Used in) Provided by Financing Activities | -$111.1M | $58.7M | $24.7M |
| (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS | -$78.9M | $70.8M | $5.1M |
| Decrease in accrued purchase of available-for-sale debt securities | $0 | $0 | -$2.0M |
| Assets acquired through foreclosure of real estate loans | $231.0K | $0 | $423.0K |
| Leased assets obtained in exchange for new operating lease liabilities | $1.1M | $187.0K | $0 |
| Interest paid | $49.0M | $48.6M | $31.9M |
| Income taxes paid | $8.8M | $4.8M | $6.4M |
Recent filings
- Oct 5, 20264
- Oct 5, 20264
- Sep 22, 20268-K
- Sep 8, 20264
- Sep 8, 20264
- Aug 26, 20264
- Aug 25, 20264
- Aug 25, 20264
- Aug 25, 20264
- Aug 25, 20264
- Aug 25, 20264
- Aug 25, 20264
- Aug 25, 20264/A
- Aug 24, 20264
- Aug 24, 20264
Every filing from the last three years, summarized. The full record is on SEC EDGAR.1
Sources
The numbers on this page point here. Each one links to the record it came from.
- 1
- 2
- 3
- 4
- 5
- 6
- 7
- 8
- 9
- 10