What is Citizens & Northern's gross loans?

Citizens & Northern (CZNC) reported gross loans of $2.38B in Q1 2026.

How has Citizens & Northern's gross loans changed year-over-year?

Citizens & Northern's gross loans increased by 25.6% year-over-year, from $1.9B to $2.38B.

What is the long-term trend for Citizens & Northern's gross loans?

Over 5 years (2020 to 2025), Citizens & Northern's gross loans has grown at a 7.4% compound annual growth rate (CAGR), from $1.64B to $2.35B.

What does gross loans mean?

Total loans outstanding before deducting the allowance for credit losses — the gross lending portfolio across all categories.

Citizens & Northern CZNC Gross loans

Gross loans at other companies

Citizens Financial Services, Inc.CZFS

$2.28B-0.8%

CNB FinancialCCNE

$6.43B+39.6%

First Community CorporationFCCO

$1.55B+23.7%

Capital City Bank GroupCCBG

$2.49B-5.5%

Greene County BancorpGCBC

$1.73B+8.0%

Northwest BancsharesNWBI

$13.06B+16.4%

Other financials

Income statement

See full

Revenue$36.6M+35.8%

Net income$273.0K-95.7%

EPS (diluted)$0.02-95.1%

Balance sheet

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Cash & equivalents$54.8M-52.2%

Total debt$13.6M+2,280%

Total equity$335.6M+19.1%

Total assets$3.2B+21.3%

Cash flow

See full

Operating cash flow$8.7M+447%

CapEx$188.0K-65.3%

Free cash flow$8.5M+713%

Valuation

See full

Market cap$402.23M+41.5%

Enterprise value$361.02M+112%

P/E23.1×+12.6×

P/S3×+0.4×

Profitability

See full

Net margin13.2%-11.4pp

FCF margin28.3%+3.5pp

Returns & leverage

See full

Return on equity5.6%-4.3pp

Debt / equity0×0.0×

Where this comes from

Reported directly by Citizens & Northern in its filing.

Tagged under the XBRL concept us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss.

The official record: Citizens & Northern’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Citizens & Northern's gross loans?: Citizens & Northern (CZNC) reported gross loans of $2.38B in Q1 2026.
How has Citizens & Northern's gross loans changed year-over-year?: Citizens & Northern's gross loans increased by 25.6% year-over-year, from $1.9B to $2.38B.
What is the long-term trend for Citizens & Northern's gross loans?: Over 5 years (2020 to 2025), Citizens & Northern's gross loans has grown at a 7.4% compound annual growth rate (CAGR), from $1.64B to $2.35B.
What does gross loans mean?: Total loans outstanding before deducting the allowance for credit losses — the gross lending portfolio across all categories.