Citizens & Northern Corporation (CZNC)
NASDAQ: CZNC · Real-Time Price · USD
20.25
-0.25 (-1.22%)
Dec 5, 2025, 4:00 PM EST - Market closed
Citizens & Northern Balance Sheet
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2019 - 2015 |
|---|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | 2019 - 2015 |
| Cash & Equivalents | 121.49 | 123.57 | 52.78 | 47.7 | 95.85 | 96.02 | Upgrade
|
| Investment Securities | 194.28 | 187.8 | 203.15 | 277.44 | 296.88 | 214.22 | Upgrade
|
| Trading Asset Securities | 1.49 | 2.39 | 2.79 | 3.64 | 3.1 | 6.57 | Upgrade
|
| Mortgage-Backed Securities | 223.52 | 217.18 | 216.71 | 227.95 | 229.9 | 140.95 | Upgrade
|
| Total Investments | 419.29 | 407.37 | 422.65 | 509.02 | 529.88 | 361.74 | Upgrade
|
| Gross Loans | 1,949 | 1,900 | 1,853 | 1,745 | 1,569 | 1,650 | Upgrade
|
| Allowance for Loan Losses | -23.47 | -20.04 | -19.21 | -16.62 | -13.54 | -11.39 | Upgrade
|
| Other Adjustments to Gross Loans | -4.02 | -4.14 | -4.46 | -4.73 | -4.25 | -6.29 | Upgrade
|
| Net Loans | 1,922 | 1,876 | 1,829 | 1,723 | 1,551 | 1,633 | Upgrade
|
| Property, Plant & Equipment | 21.06 | 24.49 | 25.2 | 25.71 | 24.43 | 24.97 | Upgrade
|
| Goodwill | 52.51 | 52.51 | 52.51 | 52.51 | 52.51 | 52.51 | Upgrade
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| Other Intangible Assets | 1.76 | 2.08 | 2.47 | 2.88 | 3.32 | 3.85 | Upgrade
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| Accrued Interest Receivable | 9.66 | 8.74 | 9.14 | 8.65 | 7.24 | 8.29 | Upgrade
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| Long-Term Deferred Tax Assets | 16.76 | 19.1 | 17.44 | 20.88 | 5.89 | 2.71 | Upgrade
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| Other Real Estate Owned & Foreclosed | 0.4 | 0.18 | 0.48 | 0.28 | 0.68 | 1.34 | Upgrade
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| Other Long-Term Assets | 85.14 | 81.79 | 88.78 | 49.09 | 47.23 | 45.14 | Upgrade
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| Total Assets | 2,664 | 2,611 | 2,516 | 2,454 | 2,328 | 2,239 | Upgrade
|
| Interest Bearing Deposits | 1,657 | 1,432 | 1,390 | 1,348 | 1,328 | 1,252 | Upgrade
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| Institutional Deposits | - | 175.45 | 134.09 | 85.64 | 75.38 | 103.02 | Upgrade
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| Non-Interest Bearing Deposits | 508.48 | 486.57 | 490.55 | 563.84 | 521.21 | 465.33 | Upgrade
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| Total Deposits | 2,166 | 2,094 | 2,015 | 1,998 | 1,925 | 1,820 | Upgrade
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| Short-Term Borrowings | 2.98 | 4.88 | 36.67 | 83.72 | 4.91 | 26.59 | Upgrade
|
| Current Portion of Long-Term Debt | 26.91 | 44.52 | 32.16 | 9.3 | 15.45 | 26.1 | Upgrade
|
| Current Portion of Leases | - | 0.67 | - | - | - | - | Upgrade
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| Accrued Interest Payable | 1.31 | 1.77 | 1.53 | 0.46 | 0.21 | 0.55 | Upgrade
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| Long-Term Debt | 24.92 | 39.73 | 39.55 | 39.37 | 47.71 | 16.55 | Upgrade
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| Federal Home Loan Bank Debt, Long-Term | 120.94 | 120.94 | 106.18 | 53.04 | 12.59 | 28.51 | Upgrade
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| Long-Term Leases | - | 2.48 | 3.57 | 4.13 | 3.75 | 3.45 | Upgrade
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| Pension & Post-Retirement Benefits | - | 1.54 | 1.97 | 1.83 | 2.18 | 2.25 | Upgrade
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| Other Long-Term Liabilities | 27.29 | 24.94 | 16.78 | 15.53 | 14.39 | 14.88 | Upgrade
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| Total Liabilities | 2,370 | 2,335 | 2,253 | 2,205 | 2,026 | 1,939 | Upgrade
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| Common Stock | 16.03 | 16.03 | 16.03 | 16.03 | 16.03 | 15.98 | Upgrade
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| Additional Paid-In Capital | 143.35 | 143.57 | 144.39 | 143.95 | 144.45 | 143.64 | Upgrade
|
| Retained Earnings | 171.73 | 165.78 | 157.03 | 151.74 | 142.61 | 129.7 | Upgrade
|
| Treasury Stock | -11.13 | -13.33 | -16.63 | -12.52 | -6.72 | -1.37 | Upgrade
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| Comprehensive Income & Other | -26.03 | -36.76 | -38.44 | -49.88 | 5.03 | 11.8 | Upgrade
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| Shareholders' Equity | 293.96 | 275.28 | 262.38 | 249.33 | 301.41 | 299.76 | Upgrade
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| Total Liabilities & Equity | 2,664 | 2,611 | 2,516 | 2,454 | 2,328 | 2,239 | Upgrade
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| Total Debt | 175.74 | 213.21 | 218.13 | 189.57 | 84.41 | 101.2 | Upgrade
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| Net Cash (Debt) | -51.17 | -84.65 | -158.45 | -130.89 | 23.64 | 7.23 | Upgrade
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| Net Cash Growth | - | - | - | - | 227.09% | - | Upgrade
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| Net Cash Per Share | -3.33 | -5.55 | -10.40 | -8.47 | 1.50 | 0.49 | Upgrade
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| Filing Date Shares Outstanding | 17.8 | 15.47 | 15.38 | 15.56 | 15.83 | 16 | Upgrade
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| Total Common Shares Outstanding | 15.53 | 15.43 | 15.3 | 15.52 | 15.76 | 15.91 | Upgrade
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| Book Value Per Share | 18.93 | 17.84 | 17.15 | 16.07 | 19.13 | 18.84 | Upgrade
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| Tangible Book Value | 239.69 | 220.7 | 207.41 | 193.94 | 245.58 | 243.4 | Upgrade
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| Tangible Book Value Per Share | 15.43 | 14.30 | 13.56 | 12.50 | 15.58 | 15.30 | Upgrade
|
Source: S&P Capital IQ. Banks template. Financial Sources.