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Balance Sheets Overview

Debt to Asset Ratio
89.02%
Unit: Thousand (K) dollars
Assets Breakdown
    • Loans, net
    • Available-for-sale debt securiti...
    • Total cash and due from banks
    • Others
Liabilities Breakdown
    • Interest-bearing
    • Noninterest-bearing
    • Paid-in capital
    • Others
Balance Sheets
2026-06-30
2026-03-31
2025-09-30
2025-06-30
Noninterest-bearing
25,947
30,736
27,430
26,320
Interest-bearing
56,590
24,062
95,660
73,299
Total cash and due from banks
82,537
54,798
123,090
99,619
Available-for-sale debt securities, at fair value
496,829
497,367
415,313
406,052
Loans receivable
2,348,847
2,384,850
1,945,107
1,919,258
Allowance for credit losses
32,583
33,832
23,474
21,699
Loans, net
2,316,264
2,351,018
1,921,633
1,897,559
Bank-owned life insurance
62,136
61,609
52,614
52,138
Accrued interest receivable
10,941
11,901
9,656
8,719
Bank premises and equipment, net
26,712
27,256
21,055
21,195
Foreclosed assets held for sale
181
181
402
402
Deferred tax asset, net
18,617
18,827
16,759
17,346
Goodwill
63,311
63,311
52,505
52,505
Core deposit intangibles, net
9,944
10,758
1,762
1,868
Other assets
64,512
67,314
49,244
53,472
Total assets
3,151,984
3,164,340
2,664,033
2,610,875
Noninterest-bearing
557,892
568,478
508,475
507,317
Interest-bearing
2,045,843
2,031,575
1,657,260
1,602,459
Total deposits
2,603,735
2,600,053
2,165,735
2,109,776
Short-term borrowings
14,643
13,590
1,489
533
Long-term borrowings - fhlb advances
130,392
139,489
132,894
143,894
Senior notes, net
0
14,988
14,952
14,934
Subordinated debt, net
25,000
24,979
24,919
24,889
Accrued interest and other liabilities
32,075
35,677
30,085
30,492
Total liabilities
2,805,845
2,828,776
2,370,074
2,324,518
Preferred stock, 1,000 par value authorized 30,000 shares 1,000 liquidation preference per share no shares issued
0
0
0
0
Common stock, par value 1.00 per share authorized 30,000,000 shares issued 18,303,120 and outstanding 17,942,105 at june 30, 2026 issued 18,303,120 and outstanding 17,823,444 at december 31, 2025
18,303
18,303
16,030
16,030
Paid-in capital
184,340
184,325
143,352
142,982
Retained earnings
175,519
166,476
171,733
169,521
Treasury stock, at cost 361,015 shares at june 30, 2026 and 479,676 shares at december 31, 2025
8,062
8,778
11,130
11,502
Accumulated other comprehensive loss
-23,961
-24,762
-26,026
-30,674
Total stockholders' equity
346,139
335,564
293,959
286,357
Total liabilities & stockholders' equity
3,151,984
3,164,340
2,664,033
2,610,875
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

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Balance Sheets

Loans receivable$2,348,847K (22.38%↑ Y/Y)Interest-bearing$56,590K (-22.80%↓ Y/Y)Noninterest-bearing$25,947K (-1.42%↓ Y/Y)Loans, net$2,316,264K (22.07%↑ Y/Y)Available-for-sale debtsecurities, at fair value$496,829K (22.36%↑ Y/Y)Total cash and due frombanks$82,537K (-17.15%↓ Y/Y)Other assets$64,512K (20.65%↑ Y/Y)Goodwill$63,311K (20.58%↑ Y/Y)Bank-owned life insurance$62,136K (19.18%↑ Y/Y)Bank premises andequipment, net$26,712K (26.03%↑ Y/Y)Deferred tax asset, net$18,617K (7.33%↑ Y/Y)Accrued interestreceivable$10,941K (25.48%↑ Y/Y)Core depositintangibles, net$9,944K (432.33%↑ Y/Y)Foreclosed assets held forsale$181K (-54.98%↓ Y/Y)Allowance for creditlosses$32,583K (50.16%↑ Y/Y)Total assets$3,151,984K (20.73%↑ Y/Y)Total liabilities &stockholders' equity$3,151,984K (20.73%↑ Y/Y)Total liabilities$2,805,845K (20.71%↑ Y/Y)Total stockholders'equity$346,139K (20.88%↑ Y/Y)Accumulated othercomprehensive loss-$23,961K (21.88%↑ Y/Y)Treasury stock, at cost361,015 shares at june...$8,062K (-29.91%↓ Y/Y)Total deposits$2,603,735K (23.41%↑ Y/Y)Long-term borrowings -fhlb advances$130,392K (-9.38%↓ Y/Y)Accrued interest andother liabilities$32,075K (5.19%↑ Y/Y)Subordinated debt, net$25,000K (0.45%↑ Y/Y)Short-term borrowings$14,643K (2647.28%↑ Y/Y)Paid-in capital$184,340K (28.93%↑ Y/Y)Retained earnings$175,519K (3.54%↑ Y/Y)Common stock, par value1.00 per share...$18,303K (14.18%↑ Y/Y)Interest-bearing$2,045,843K (27.67%↑ Y/Y)Noninterest-bearing$557,892K (9.97%↑ Y/Y)

CITIZENS & NORTHERN CORP (CZNC)

CITIZENS & NORTHERN CORP (CZNC)