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Deposits at other companies

Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
$2.39B+4.4%
CNB Financial logo
CNB FinancialCCNE
$7.08B+29.5%
Capital City Bank Group logo
Capital City Bank GroupCCBG
$3.72B+0.4%
First Community Corporation logo
First Community CorporationFCCO
$2.02B+15.4%
Northwest Bancshares logo
Northwest BancsharesNWBI
$14.16B+16.1%
Greene County Bancorp logo
Greene County BancorpGCBC
$2.71B+2.8%

Other financials

Income statement

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Revenue$39.4M+34.6%
Net income$14.1M+130%
EPS (diluted)$0.79+97.5%

Balance sheet

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Cash & equivalents$82.5M-17.1%
Total debt$14.6M+2,647%
Total equity$346.1M+20.9%
Total assets$3.2B+20.7%

Cash flow

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Operating cash flow$15.4M+81.2%
CapEx$150.0K-69.1%
Free cash flow$15.3M+90.3%

Valuation

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Market cap$455.01M+56.3%
Enterprise value$387.12M+102%
P/E18×+7.2×
P/S3.2×+0.6×

Profitability

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Net margin17.8%-6.4pp
FCF margin31.4%+7.0pp

Returns & leverage

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Return on equity8%-1.8pp
Debt / equity0.0×

Where this comes from

Reported directly by Citizens & Northern in its filing.

Tagged under the XBRL concept us-gaap:Deposits.

The source filing: Citizens & Northern’s 10-Q, filed August 7, 2026.

Filed
Aug 7, 2026, 11:52 AM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001104659-26-092539
Line itemJune 30, 2026December 31, 2025
Deposits:
Noninterest-bearing$557,892$531,442
Interest-bearing2,045,8432,033,274
Total deposits2,603,7352,564,716
Short-term borrowings14,64328,618
Long-term borrowings - FHLB advances130,392120,935
Senior notes, net014,970
Subordinated debt, net25,00024,949

Cover / Front Matter

FAQ

What is Citizens & Northern's deposits?
Citizens & Northern (CZNC) reported deposits of $2.6B in Q2 2026.
How has Citizens & Northern's deposits changed year-over-year?
Citizens & Northern's deposits increased by 23.4% year-over-year, from $2.11B to $2.6B.
What is the long-term trend for Citizens & Northern's deposits?
Over 5 years (2020 to 2025), Citizens & Northern's deposits has grown at a 7.1% compound annual growth rate (CAGR), from $1.82B to $2.56B.
What does deposits mean?
Total customer deposits held by a bank or financial institution — the primary funding source for lending operations.

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