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Citizens & Northern CZNC Net Interest Income
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Where this comes from
Reported directly by Citizens & Northern in its filing.
Tagged under the XBRL concept us-gaap:InterestIncomeExpenseNet.
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 item | Three Months Ended / June 30, 2026 | Three Months Ended / June 30, 2025 | Six Months Ended / June 30, 2026 | Six Months Ended / June 30, 2025 |
|---|---|---|---|---|
| Interest on senior notes, net | 81 | 120 | 202 | 241 |
| Interest on subordinated debt, net | 287 | 233 | 520 | 465 |
| Total interest expense | 11,948 | 11,312 | 24,082 | 23,046 |
| Net interest income | 29,618 | 21,142 | 58,072 | 41,117 |
| (Credit) provision for credit losses | (1,846) | 2,354 | 11,756 | 2,590 |
| Net interest income after (credit) provision for credit losses | 31,464 | 18,788 | 46,316 | 38,527 |
| NONINTEREST INCOME | ||||
| Trust revenue | 2,242 | 1,967 | 4,327 | 4,069 |
Cover / Front Matter
FAQ
- What is Citizens & Northern's net interest income?
- Citizens & Northern (CZNC) reported net interest income of $29.62M in Q2 2026.
- How has Citizens & Northern's net interest income changed year-over-year?
- Citizens & Northern's net interest income increased by 40.1% year-over-year, from $21.14M to $29.62M.
- What is the long-term trend for Citizens & Northern's net interest income?
- Over 4 years (2021 to 2025), Citizens & Northern's net interest income has grown at a 4.2% compound annual growth rate (CAGR), from $77.94M to $91.85M.
- What does net interest income mean?
- This is the difference between the interest earned on assets and the interest paid on liabilities, representing the core profitability of the bank's traditional lending and deposit-taking operations. It is the primary driver of a bank's earnings and is highly sensitive to interest rate fluctuations and balance sheet management.
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