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Citizens & Northern
Citizens & Northern (CZNC) investor relations material
Citizens & Northern Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary28 Jan, 2026
Executive summary
Completed merger with Susquehanna Community Financial, adding $596.2M in assets, $393.6M in loans, and $501.5M in deposits as of October 1, 2025.
Fourth quarter and full-year 2025 results were significantly impacted by merger-related expenses and integration.
Adjusted earnings (excluding merger expenses) for Q4 2025 were $9.97M ($0.56/share), up from Q3 2025, and $29.78M ($1.85/share) for the year.
Financial highlights
Q4 2025 net income was $4.47M ($0.25/share), down from $8.17M ($0.53/share) in Q4 2024 and $6.55M ($0.42/share) in Q3 2025.
Full-year 2025 net income was $23.43M ($1.46/share), down 9.8% from $25.96M ($1.69/share) in 2024.
Net interest income for Q4 2025 rose 39% year-over-year to $28.47M; full-year net interest income increased 16.1% to $91.85M.
Noninterest income for Q4 2025 was $8.36M, up 10.8% year-over-year; full-year noninterest income was $30.81M, up 5.5%.
Provision for credit losses in 2025 was $6.07M, up from $2.20M in 2024.
Noninterest expense (excluding merger costs) for 2025 was $80.05M, up $5.79M from 2024.
Outlook and guidance
Management expects continued integration of Susquehanna operations, with focus on realizing cost savings and operational synergies.
Forward-looking statements highlight risks from economic conditions, interest rates, and integration challenges.
Merger integration cost/synergy outlook?
Assess commercial real estate loan portfolio risk.
Funding strategy for deposit fluctuations?
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Next Citizens & Northern earnings date
Q1 202622 Apr, 2026
Citizens & Northern
Next Citizens & Northern earnings date
Q1 202622 Apr, 2026
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Frequently asked questions
Citizens & Northern Corporation is a bank holding company. Through its subsidiary, Citizens & Northern Bank, the company provides a range of banking services to individual and corporate clients across North Central Pennsylvania and Southern New York. The bank’s offerings include traditional deposit products such as checking and savings accounts, money market accounts, and certificates of deposit. It also offers various lending solutions, including commercial, mortgage, and consumer loans. Additionally, the company provides wealth management services, insurance products, and investment management options. The company is headquartered in Wellsboro, Pennsylvania and its shares are listed on the NASDAQ.
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