Citizens & Northern Corp income statement
In fiscal 2025, Citizens & Northern Corp reported revenue of $123m, up 13.3% on the year before and net income of $23.4m. Every line below comes from the company's 10-K and 10-Q filings; column headings link to the filing.
Income statement
| Fiscal year | 2009Dec 2009 | 2010Dec 2010 | 2011Dec 2011 | 2012Dec 2012 | 2013Dec 2013 | 2014Dec 2014 | 2015Dec 2015 | 2016Dec 2016 | 2017Dec 2017 | 2018Dec 2018 | 2019Dec 2019 | 2020Dec 2020 | 2021Dec 2021 | 2022Dec 2022 | 2023Dec 2023 | 2024Dec 2024 | 2025Dec 2025 | LTMJun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | −27 | 58 | 64 | 67 | 61 | 57 | 58 | 57 | 58 | 66 | 74 | 92 | 104 | 108 | 105 | 108 | 123 | 143 |
| Interest expense | 24 | 19 | 14 | 9 | 6 | 5 | 5 | 4 | 4 | 5 | 10 | 10 | 7 | 10 | 33 | — | — | — |
| Net interest income | 44 | 43 | 48 | 48 | 43 | 41 | 40 | 40 | 42 | 46 | 54 | 68 | 78 | 83 | 80 | 79 | 92 | 109 |
| Non-interest income | −71 | 15 | 16 | 19 | 18 | 17 | 18 | 17 | 16 | 21 | 19 | 25 | 26 | 24 | 24 | 29 | 31 | 34 |
| Non-interest expense | 34 | 31 | 32 | 35 | 34 | 34 | 36 | 35 | 37 | 39 | 50 | 65 | 62 | 68 | 74 | 74 | 88 | 96 |
| Provision for credit losses | 1 | 1 | −0 | 0 | 2 | 0 | 1 | 1 | 1 | 1 | 1 | 4 | 4 | 7 | 0 | 2 | 6 | 15 |
| Income before tax | −62 | 25 | 32 | 31 | 25 | 23 | 22 | 21 | 21 | 26 | 23 | 23 | 38 | 32 | 30 | 32 | 29 | 31 |
| Income tax | — | — | 9 | 8 | 6 | 6 | 5 | 5 | 7 | 4 | 4 | 4 | 7 | 6 | 6 | 6 | 5 | 6 |
| Net income | −39 | 19 | 23 | 23 | 19 | 17 | 16 | 16 | 13 | 22 | 20 | 19 | 31 | 27 | 24 | 26 | 23 | 25 |
| Diluted EPS | −$4.40 | $1.45 | $1.92 | $1.85 | $1.50 | $1.38 | $1.35 | $1.30 | $1.10 | $1.79 | $1.46 | $1.30 | $1.92 | $1.71 | $1.57 | $1.69 | — | $1.48 |
| Diluted shares (average) | — | 12m | 12m | 12m | 12m | 12m | 12m | 12m | 12m | 12m | 13m | 15m | 16m | 15m | 15m | 15m | 16m | 17m |
| Quarter | 2024 Q3Sept 2024 | 2024 Q4Dec 2024 | 2025 Q1Mar 2025 | 2025 Q2Jun 2025 | 2025 Q3Sept 2025 | 2025 Q4Dec 2025 | 2026 Q1Mar 2026 | 2026 Q2Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 27 | 28 | 27 | 29 | 30 | 37 | 37 | 39 |
| Net interest income | 20 | 20 | 20 | 21 | 22 | 28 | 28 | 30 |
| Non-interest income | 7 | 8 | 7 | 8 | 7 | 8 | 8 | 10 |
| Non-interest expense | 18 | 18 | 19 | 19 | 19 | 30 | 23 | 24 |
| Provision for credit losses | 1 | −1 | 0 | 2 | 2 | 1 | 14 | −2 |
| Income before tax | 8 | 10 | 8 | 8 | 8 | 5 | 0 | 17 |
| Income tax | 1 | 2 | 1 | 1 | 1 | 1 | 0 | 3 |
| Net income | 6 | 8 | 6 | 6 | 7 | 4 | 0 | 14 |
| Diluted EPS | $0.41 | $0.53 | $0.41 | $0.40 | $0.42 | — | $0.02 | $0.79 |
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