Call reports 2025
CITIZENS & NORTHERN BANK — 2025
What CITIZENS & NORTHERN BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 2,596,960,000 | 2,598,271,000 | 2,651,527,000 | 3,121,896,000 |
| Total loans | 1,899,902,000 | 1,923,184,000 | 1,946,905,000 | 2,355,956,000 |
| Allowance for loan losses | 20,172,000 | 21,699,000 | 23,474,000 | 31,048,000 |
| Securities available for sale | 397,209,000 | 394,743,000 | 405,313,000 | 497,117,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,120,521,000 | 2,127,673,000 | 2,184,401,000 | 2,584,952,000 |
| Interest-bearing deposits | 1,614,332,000 | 1,604,102,000 | 1,659,387,000 | 2,035,426,000 |
| Noninterest-bearing deposits | 506,189,000 | 523,571,000 | 525,014,000 | 549,526,000 |
| Equity capital | 291,450,000 | 295,898,000 | 303,216,000 | 351,132,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 31,626,000 | 63,995,000 | 97,563,000 | 138,880,000 |
| Interest expense | 11,392,000 | 22,362,000 | 33,407,000 | 46,000,000 |
| Net interest income | 20,234,000 | 41,633,000 | 64,156,000 | 92,880,000 |
| Noninterest income | 6,991,000 | 15,174,000 | 22,467,000 | 30,851,000 |
| Noninterest expense | 18,830,000 | 37,971,000 | 57,137,000 | 87,052,000 |
| Provision for loan losses | 228,000 | 2,303,000 | 4,172,000 | 5,556,000 |
| Pretax income | 8,172,000 | 16,262,000 | 24,757,000 | 30,672,000 |
| Income tax | 1,561,000 | 3,142,000 | 4,757,000 | 5,830,000 |
| Net income | 6,611,000 | 13,120,000 | 20,000,000 | 24,842,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 269,281,000 | 271,878,000 | 274,781,000 | 300,983,000 |
| Total capital | 289,916,000 | 294,320,000 | 299,291,000 | 330,427,000 |
| Risk-weighted assets | 1,903,456,000 | 1,935,242,000 | 1,965,512,000 | 2,391,475,000 |
Machine access — free, no API key
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