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Citizens & Northern CZNC Noninterest-bearing deposits

Noninterest-bearing deposits at other companies

Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
$509.64M+0.8%
First Community Corporation logo
First Community CorporationFCCO
$543.84M+14.3%
Capital City Bank Group logo
Capital City Bank GroupCCBG
$1.3B-4.7%
West Bancorporation logo
West BancorporationWTBA
$511.01M-1.7%
Greene County Bancorp logo
Greene County BancorpGCBC
$109.09M-6.1%
Mid Penn Bancorp logo
Mid Penn BancorpMPB
$933.5M+18.4%

Other financials

Income statement

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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

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Operating cash flow$8.7M+447%
CapEx$188.0K-65.3%
Free cash flow$8.5M+713%

Valuation

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Market cap$402.23M+41.5%
Enterprise value$361.02M+112%
P/E23.1×+12.6×
P/S+0.4×

Profitability

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Net margin13.2%-11.4pp
FCF margin28.3%+3.5pp

Returns & leverage

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Return on equity5.6%-4.3pp
Debt / equity0.0×

Where this comes from

Reported directly by Citizens & Northern in its filing.

Tagged under the XBRL concept us-gaap:NoninterestBearingDepositLiabilitiesDomestic.

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 noninterest-bearing deposits?
Citizens & Northern (CZNC) reported noninterest-bearing deposits of $568.48M in Q1 2026.
How has Citizens & Northern's noninterest-bearing deposits changed year-over-year?
Citizens & Northern's noninterest-bearing deposits increased by 16.1% year-over-year, from $489.44M to $568.48M.
What is the long-term trend for Citizens & Northern's noninterest-bearing deposits?
Over 5 years (2020 to 2025), Citizens & Northern's noninterest-bearing deposits has grown at a 2.7% compound annual growth rate (CAGR), from $465.33M to $531.44M.
What does noninterest-bearing deposits mean?
Noninterest-bearing deposits are demand deposit accounts that do not pay interest to the customer, such as standard checking accounts. These are a highly valuable source of low-cost funding for the bank, directly impacting the net interest margin. A larger proportion of these deposits generally enhances the bank's profitability in rising interest rate environments.