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Citizens & Northern (CZNC) investor relations material
Citizens & Northern Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Net income for Q3 2025 was $6.55M ($0.42/share), up from $6.12M in Q2 2025 and $6.37M in Q3 2024; nine-month net income was $18.96M ($1.22/share), up from $17.78M in 2024.
Adjusted Q3 2025 earnings, excluding $697K merger expenses, were $7.25M ($0.47/share); nine-month adjusted earnings were $19.81M ($1.28/share).
Completed merger with Susquehanna Community Financial, Inc. on October 1, 2025; most merger-related expenses expected in Q4 2025.
Declared a $0.28/share quarterly dividend, payable November 14, 2025.
Financial highlights
Net interest income for Q3 2025 was $22.26M, up $1.12M from Q2 2025 and $2.11M from Q3 2024; net interest margin rose to 3.62%.
Provision for credit losses in Q3 2025 was $2.16M, down from Q2 2025 but up from Q3 2024; nine-month provision was $4.75M, up from $2.73M in 2024.
Noninterest income for Q3 2025 was $7.30M, up $171K year-over-year; nine-month noninterest income was $22.45M, up $792K.
Noninterest expense (excluding merger costs) for Q3 2025 was $18.51M, up $238K year-over-year; nine-month expense was $56.78M, up $953K.
Total assets at September 30, 2025 were $2.66B, down 0.25% year-over-year.
Deposits at September 30, 2025 were $2.17B, up 1.4% year-over-year.
Outlook and guidance
Most merger-related expenses from the Susquehanna transaction (~$7.5M pre-tax) are expected in Q4 2025.
Management expects continued integration efforts and realization of merger synergies in coming quarters.
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Next Citizens & Northern earnings date
Q4 202522 Jan, 2026
Next Citizens & Northern earnings date
Q4 202522 Jan, 2026
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Frequently asked questions
Citizens & Northern Corporation is a bank holding company. Through its subsidiary, Citizens & Northern Bank, the company provides a range of banking services to individual and corporate clients across North Central Pennsylvania and Southern New York. The bank’s offerings include traditional deposit products such as checking and savings accounts, money market accounts, and certificates of deposit. It also offers various lending solutions, including commercial, mortgage, and consumer loans. Additionally, the company provides wealth management services, insurance products, and investment management options. The company is headquartered in Wellsboro, Pennsylvania and its shares are listed on the NASDAQ.
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