| Balance Sheets | 2025-09-30 | 2025-06-30 | ||
|---|---|---|---|---|
| Noninterest-bearing | 27,430 | 26,320 | ||
| Interest-bearing | 95,660 | 73,299 | ||
| Total cash and due from banks | 123,090 | 99,619 | ||
| Available-for-sale debt securities, at fair value | 415,313 | 406,052 | ||
| Loans receivable | 1,945,107 | 1,919,258 | ||
| Allowance for credit losses | 23,474 | 21,699 | ||
| Loans, net | 1,921,633 | 1,897,559 | ||
| Bank-owned life insurance | 52,614 | 52,138 | ||
| Accrued interest receivable | 9,656 | 8,719 | ||
| Bank premises and equipment, net | 21,055 | 21,195 | ||
| Foreclosed assets held for sale | 402 | 402 | ||
| Deferred tax asset, net | 16,759 | 17,346 | ||
| Goodwill | 52,505 | 52,505 | ||
| Core deposit intangibles, net | 1,762 | 1,868 | ||
| Other assets | 49,244 | 53,472 | ||
| Total assets | 2,664,033 | 2,610,875 | ||
| Noninterest-bearing | 508,475 | 507,317 | ||
| Interest-bearing | 1,657,260 | 1,602,459 | ||
| Total deposits | 2,165,735 | 2,109,776 | ||
| Short-term borrowings | 1,489 | 533 | ||
| Long-term borrowings - fhlb advances | 132,894 | 143,894 | ||
| Senior notes, net | 14,952 | 14,934 | ||
| Subordinated debt, net | 24,919 | 24,889 | ||
| Accrued interest and other liabilities | 30,085 | 30,492 | ||
| Total liabilities | 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 | ||
| Common stock, par value 1.00 per share authorized 30,000,000 shares issued 16,030,172 and outstanding 15,531,700 at september 30, 2025 issued 16,030,172 and outstanding 15,433,494 at december 31, 2024 | 16,030 | 16,030 | ||
| Paid-in capital | 143,352 | 142,982 | ||
| Retained earnings | 171,733 | 169,521 | ||
| Treasury stock, at cost 498,472 shares at september 30, 2025 and 596,678 shares at december 31, 2024 | 11,130 | 11,502 | ||
| Accumulated other comprehensive loss | -26,026 | -30,674 | ||
| Total stockholders' equity | 293,959 | 286,357 | ||
| Total liabilities & stockholders' equity | 2,664,033 | 2,610,875 | ||
CITIZENS & NORTHERN CORP (CZNC)
CITIZENS & NORTHERN CORP (CZNC)