For the quarter ending 2026-03-31, CZNC has $3,164,340K in assets. $2,828,776K in debts. $54,798K in cash and cash equivalents.
| Balance Sheets | 2026-03-31 | 2025-09-30 | 2025-06-30 | |
|---|---|---|---|---|
| Noninterest-bearing | 30,736 | 27,430 | 26,320 | |
| Interest-bearing | 24,062 | 95,660 | 73,299 | |
| Total cash and due from banks | 54,798 | 123,090 | 99,619 | |
| Available-for-sale debt securities, at fair value | 497,367 | 415,313 | 406,052 | |
| Loans receivable | 2,384,850 | 1,945,107 | 1,919,258 | |
| Allowance for credit losses | 33,832 | 23,474 | 21,699 | |
| Loans, net | 2,351,018 | 1,921,633 | 1,897,559 | |
| Bank-owned life insurance | 61,609 | 52,614 | 52,138 | |
| Accrued interest receivable | 11,901 | 9,656 | 8,719 | |
| Bank premises and equipment, net | 27,256 | 21,055 | 21,195 | |
| Foreclosed assets held for sale | 181 | 402 | 402 | |
| Deferred tax asset, net | 18,827 | 16,759 | 17,346 | |
| Goodwill | 63,311 | 52,505 | 52,505 | |
| Core deposit intangibles, net | 10,758 | 1,762 | 1,868 | |
| Other assets | 67,314 | 49,244 | 53,472 | |
| Total assets | 3,164,340 | 2,664,033 | 2,610,875 | |
| Noninterest-bearing | 568,478 | 508,475 | 507,317 | |
| Interest-bearing | 2,031,575 | 1,657,260 | 1,602,459 | |
| Total deposits | 2,600,053 | 2,165,735 | 2,109,776 | |
| Short-term borrowings | 13,590 | 1,489 | 533 | |
| Long-term borrowings - fhlb advances | 139,489 | 132,894 | 143,894 | |
| Senior notes, net | 14,988 | 14,952 | 14,934 | |
| Subordinated debt, net | 24,979 | 24,919 | 24,889 | |
| Accrued interest and other liabilities | 35,677 | 30,085 | 30,492 | |
| Total liabilities | 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 | |
| Common stock, par value 1.00 per share authorized 30,000,000 shares issued 18,303,120 and outstanding 17,909,958 at march 31, 2026 issued 18,303,120 and outstanding 17,823,444 at december 31, 2025 | 18,303 | 16,030 | 16,030 | |
| Paid-in capital | 184,325 | 143,352 | 142,982 | |
| Retained earnings | 166,476 | 171,733 | 169,521 | |
| Treasury stock, at cost 393,162 shares at march 31, 2026 and 479,676 shares at december 31, 2025 | 8,778 | 11,130 | 11,502 | |
| Accumulated other comprehensive loss | -24,762 | -26,026 | -30,674 | |
| Total stockholders' equity | 335,564 | 293,959 | 286,357 | |
| Total liabilities & stockholders' equity | 3,164,340 | 2,664,033 | 2,610,875 | |
CITIZENS & NORTHERN CORP (CZNC)
CITIZENS & NORTHERN CORP (CZNC)