Citizens & Northern(NASDAQ) CZNC

Citizens & Northern helps people and businesses manage their money. It makes home and business loans and keeps deposits safe. The company also helps families plan for their future.

More Than Just Savings

• Lending Services: Home, business, and personal loans including payment guarantees for commercial clients.
• Deposit Accounts: Standard checking, savings, and certificates of deposit, which offer fixed interest for set terms.
• Wealth Management: Retirement and estate planning services along with professional investment management for individuals.
• Insurance and Brokerage: Protection for homes and businesses plus investment options like mutual funds and annuities.

Growing the Neighborhood

• Completed a merger with Susquehanna Community Financial, Inc. on October 1, 2025, to add seven new banking offices.
• Expanded into Bucks and Chester Counties by acquiring Covenant Financial, Inc. on July 1, 2020.
• Entered the Southeastern Pennsylvania market after buying Monument Bancorp, Inc. in 2019.
• Opened new full-service branch locations in York and Lancaster during 2021 to reach more customers.

Small Town Roots, Regional Reach

The bank operates a network of 35 branches throughout Pennsylvania and New York to build local relationships. Its diverse mix of services ensures it does not depend on any single type of industry or group of customers.

The Latest Financial Tally

• Net interest income, which is the profit from lending versus deposit costs, reached $91.9 million in 2025, rising 16.1% from 2024.
• Total assets grew to $3.1 billion by December 31, 2025, up 89% from the end of 2019.
• Deposits totaled $2.6 billion at the end of 2025, more than double the balance recorded in 2019.
• Noninterest income, including service fees and trust revenue, hit $30.9 million in 2025, up $1.6 million from 2024.

Evolution into a Regional Player

Citizens & Northern has transformed from a local bank into a broader regional institution through steady acquisitions. This growth has allowed it to reach new markets while offering a more diverse range of financial products.