Every 10-Q that Citizen And Nrth (CZNC) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow CZNC and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full CZNC filings page.
Citizens & Northern Corporation reported stronger profitability for the quarter ended June 30, 2026. Net income was 14,057 (in thousands), up from 6,117 (in thousands), and earnings per share were $0.79 versus $0.40. Net interest income rose to 29,618 (in thousands), while the provision for credit losses was a credit of 1,846 (in thousands).
For the first six months of 2026, net income was 14,330 (in thousands) compared with 12,410 (in thousands) and earnings per share were $0.81 versus $0.80. At June 30, 2026, total assets were 3,151,984 (in thousands), loans receivable 2,348,847 (in thousands) and deposits 2,603,735 (in thousands). Stockholders’ equity was 346,139 (in thousands), and gross unrealized holding losses on available-for-sale debt securities totaled $31,757,000.
Results reflect the October 1, 2025 acquisition of Susquehanna Community Financial, Inc. Citizens & Northern issued approximately 2.3 million shares for merger consideration valued at $44.6 million, recording goodwill of $10.8 million, a core deposit intangible of $10.7 million, and acquiring $393.6 million of loans and $501.5 million of deposits.
Citizens & Northern Corporation reported sharply lower profitability for the quarter ended March 31, 2026. Net income fell to $273,000 from $6.293 million a year earlier, and earnings per share declined to $0.02 from $0.41.
The main driver was a much higher provision for credit losses of $13.602 million, versus $236,000 in 2025, largely tied to a $10.056 million charge-off on a non-owner occupied commercial real estate loan secured by a Class A office property. The allowance for credit losses on loans rose to $33.832 million, while total loans increased to $2.385 billion and total assets to $3.164 billion.
The October 2025 acquisition of Susquehanna Community Financial continued to support balance sheet and revenue growth, contributing loans of $393.6 million and deposits of $501.5 million. However, unrealized losses on available-for-sale securities widened to $32.873 million, and other comprehensive income swung to a loss of $1.967 million, resulting in a comprehensive loss of $1.694 million for the quarter.
Citizens & Northern Corporation reported Q3 2025 results, with net income of $6.551 million and earnings per share of $0.42, up from $6.365 million and $0.41 a year ago. Net interest income rose to $22.263 million from $20.156 million as interest expense eased. The provision for credit losses increased to $2.163 million from $1.207 million.
Noninterest income was $7.304 million versus $7.133 million, while noninterest expense was $19.389 million versus $18.269 million and included $0.882 million of merger-related expenses. For the nine months, net income totaled $18.961 million (EPS $1.22) versus $17.784 million (EPS $1.16).
On the balance sheet, total assets were $2.664 billion, loans (net) were $1.922 billion, and available-for-sale securities were $415.313 million as of September 30, 2025. Deposits were $2.166 billion, long-term FHLB advances declined to $132.894 million, and stockholders’ equity improved to $293.959 million. Accumulated other comprehensive loss improved to $(26.026) million from $(36.761) million at year-end, reflecting higher unrealized gains on securities.
Citizens & Northern Corporation (CZNC) Form 10-Q — Quarter ended June 30, 2025
Consolidated total assets were $2,610,875k at June 30, 2025. Loans receivable totaled $1,919,258k with an allowance for credit losses of $21,699k. Total deposits were $2,109,776k. Stockholders' equity was $286,357k.
- Net income — Three months ended June 30, 2025: $6,117k (Q2 2024: $6,113k); Six months ended June 30, 2025: $12,410k (2024: $11,419k).
- Earnings per share — Q2: $0.40; Six months: $0.80 (six months 2024: $0.74).
- Net interest income — Q2: $21,142k (Q2 2024: $19,445k); after provision for credit losses Q2: $18,788k.
- Provision for credit losses — Q2: $2,354k (Q2 2024: $565k); six months: $2,590k (2024: $1,519k).
- Comprehensive income — Q2: $8,133k; six months: $18,497k (driven by unrealized gains on AFS securities).
- Cash flows — Operating activities provided $10,096k; investing used $20,709k; financing used $15,692k; cash and equivalents ended at $97,269k.
The accompanying notes include interim presentation, ASU disclosures, and per-share calculations.