Call reports 2026
CITIZENS & NORTHERN BANK — 2026
What CITIZENS & NORTHERN BANK reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 3,153,919,000 | 3,143,130,000 |
| Total loans | 2,388,511,000 | 2,353,804,000 |
| Allowance for loan losses | 33,832,000 | 32,583,000 |
| Securities available for sale | 487,969,000 | 488,896,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 2,620,675,000 | 2,610,552,000 |
| Interest-bearing deposits | 2,033,714,000 | 2,046,507,000 |
| Noninterest-bearing deposits | 586,961,000 | 564,045,000 |
| Equity capital | 345,187,000 | 355,791,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 40,512,000 | 82,006,000 |
| Interest expense | 11,796,000 | 23,392,000 |
| Net interest income | 28,716,000 | 58,614,000 |
| Noninterest income | 8,196,000 | 17,995,000 |
| Noninterest expense | 22,503,000 | 46,019,000 |
| Provision for loan losses | 13,592,000 | 11,940,000 |
| Pretax income | 827,000 | 18,851,000 |
| Income tax | 211,000 | 3,756,000 |
| Net income | 616,000 | 15,095,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 297,609,000 | 308,136,000 |
| Total capital | 328,028,000 | 338,125,000 |
| Risk-weighted assets | 2,431,579,000 | 2,398,169,000 |
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