Citizens & Northern Bank quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.2B | $2.6B | $2.4B | $345M | $616K | 0.08% | 0.71% | 4.02% | 1.76% |
| Q4 2025 | $3.1B | $2.6B | $2.3B | $351M | $5M | 0.92% | 8.13% | 3.75% | 1.40% |
| Q3 2025 | $2.7B | $2.2B | $1.9B | $303M | $7M | 1.02% | 9.07% | 3.59% | 1.38% |
| Q2 2025 | $2.6B | $2.1B | $1.9B | $296M | $7M | 1.01% | 9.02% | 3.52% | 1.31% |
| Q1 2025 | $2.6B | $2.1B | $1.9B | $291M | $7M | 1.02% | 9.17% | 3.42% | 1.27% |
| Q4 2024 | $2.6B | $2.1B | $1.9B | $285M | $8M | 1.06% | 9.80% | 3.43% | 1.26% |
| Q3 2024 | $2.7B | $2.2B | $1.9B | $287M | $7M | 0.98% | 9.05% | 3.40% | 1.29% |
| Q2 2024 | $2.6B | $2.1B | $1.9B | $274M | $6M | 0.96% | 8.87% | 3.40% | 1.03% |
| Q1 2024 | $2.5B | $2.0B | $1.9B | $272M | $6M | 0.90% | 8.31% | 3.40% | 1.03% |
| Q4 2023 | $2.5B | $2.0B | $1.8B | $272M | $5M | 1.05% | 9.93% | 3.62% | 0.99% |
| Q3 2023 | $2.5B | $2.0B | $1.8B | $252M | $8M | 1.16% | 11.02% | 3.66% | 0.92% |
| Q2 2023 | $2.5B | $2.0B | $1.8B | $259M | $7M | 1.08% | 10.22% | 3.72% | 0.77% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.