CITIZENS & NORTHERN CORP (CZNC) Form 8-K — Oct 22, 2026
Citizens & Northern Corporation (NASDAQ: CZNC) reported record third quarter 2026 net income of $16.3 million, or $0.92 per diluted share, more than double the $0.42 earned in Q3 2025. Net interest margin expanded 6 basis points sequentially to 4.13% and the efficiency ratio improved to 56.11%. The Board raised the quarterly dividend by $0.02 to $0.30 per share, payable November 13, 2026, citing confidence in continued strong earnings. Results included a $3.2 million credit for credit losses, though nine-month net charge-offs of 0.61% remain elevated from a single non-owner occupied CRE loan.
Key figures
- Eps
- 0.92
- Net Income
- 16285000
- Revenue Yoy
- Net interest income for 9M 2026 up $24,897,000 vs 9M 2025
- Ppnr q3
- 17464000
- Total assets
- 3150204000
- Acl pct loans
- 1.24%
- Nine month eps
- 1.72
- Npa pct assets
- 1.16%
- Total deposits
- 2608512000
- Efficiency ratio
- 56.11%
- Dividend increase
- 0.02
- Nim change qoq bp
- 6
- Dividend per share
- 0.3
- Q2 2026 net income
- 14057000
- Q3 2025 net income
- 6551000
- Uninsured deposits
- 812800000
- Net interest margin
- 4.13%
- Stockholders equity
- 343320000
- Dividend record date
- 2026-11-02
- Return on avg assets
- 2.08% annualized
- Return on avg equity
- 18.77% annualized
- Dividend payable date
- 2026-11-13
- Nine month net income
- 30615000
- Gross loans receivable
- 2331395000
- Credit for credit losses q3
- 3171000
- Net charge offs pct avg loans
- 0.07% (annualized)
- Highly liquid available funding
- 1384000000
AI analysis
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