)
)
Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Citizens & Northern
Citizens & Northern (CZNC) investor relations material
Citizens & Northern Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary22 Oct, 2026
Executive summary
Record Q3 2026 net income of $16.3M, or $0.92 diluted EPS, versus $14.1M in Q2 2026 and $6.6M in Q3 2025.
Q3 PPNR rose to $17.5M from $15.8M QoQ; results included a $3.2M credit for credit losses, mainly from qualitative-factor changes and lower loans.
Financial highlights
Q3 net interest income was $30.2M, up $0.6M QoQ and $7.9M YoY; 9M net interest income increased $24.9M YoY to $88.3M.
Q3 noninterest income was $9.4M, down $0.4M QoQ; noninterest expense was $22.3M, down $1.5M QoQ.
9M 2026 net income was $30.6M, or $1.72 diluted EPS, versus $19.0M and $1.22 in 9M 2025; 9M PPNR was $47.4M versus $29.7M.
Total assets were $3.15B at Sept. 30, 2026; deposits were $2.61B and gross loans were $2.33B.
Outlook and guidance
Management remained optimistic about loan growth prospects, citing reasonably strong originations despite a second consecutive quarterly decline in total loans from several large commercial loan payoffs.
Management cited confidence in continued strong earnings performance when declaring a $0.02 per-share dividend increase.
Partial view of Summaries dataset, powered by Quartr API
AI can get things wrong. Verify important information.Research faster. Power your platform.
Latest events from Citizens & Northern
- Q2 2026 net income surged on acquisition gains, margin expansion, and improved efficiency.CZNC
Q2 2026 - Q1 2026 profit dropped on a major loan charge-off, but capital and liquidity stayed strong.CZNCQ1 2026
- All proposals passed, merger integration advanced, and a $0.28 dividend was declared.CZNCAGM 2026
- Virtual meeting to vote on directors, executive pay, and auditor, with focus on performance and governance.CZNCProxy Filing
- Merger-driven growth boosted assets and income, but net income fell on higher merger costs.CZNCQ4 2025
- Annual meeting to vote on directors, executive pay, and auditor, with strong governance and oversight.CZNCProxy Filing
- Directors elected, financials improved, and a key acquisition will expand regional assets.CZNCAGM 2025
- Q3 net income and adjusted EPS increased, Susquehanna merger completed, strong capital and liquidity.CZNCQ3 2025
- Q2 2024 saw higher net income, strong loan growth, and a declared $0.28 dividend.CZNCQ2 2024
Next Citizens & Northern earnings date
Q4 202622 Jan, 2027
Citizens & Northern
Next Citizens & Northern earnings date
Q4 202622 Jan, 2027
AI chat
Ask anything. Verify everything.
Ask across every event and document from public companies. Each answer links back to the exact line in the transcript, slide or filing it came from.Learn moreFind what matters
AI across all first-party IR material. Live calls, transcripts, slides, filings.)
Trust every finding
50m+ first-party documents. Every output traceable to its source.Find what matters
AI across all first-party IR material. Live calls, transcripts, slides, filings.Trust every finding
50m+ first-party documents. Every output traceable to its source.Automations
Zero in on what matters
Define the prompt once. It runs the moment a company publishes or on a schedule you set. Outputs map to the exact signals you choose.Learn more)
Event-triggered research
Runs when a company publishes new material. Trigger on the first published document for the earliest possible run, or wait for a specific one.)
Scheduled research
Runs on a recurring cadence you set. Daily, weekly, monthly, or quarterly, for aggregate reads across a period rather than a single event.Event-triggered research
Runs when a company publishes new material. Trigger on the first published document for the earliest possible run, or wait for a specific one.Scheduled research
Runs on a recurring cadence you set. Daily, weekly, monthly, or quarterly, for aggregate reads across a period rather than a single event.Live audio & transcripts
Be first
Join any earnings call live in one click, with no manual registration. Follow the transcript as it happens and jump straight to the moments that matter.Learn more)
Live earnings calls
Join any call in one click. The audio keeps playing while you work elsewhere in Quartr.)
Live transcripts
Speaker-by-speaker, in real time. Searchable across every live and historical call.Live earnings calls
Join any call in one click. The audio keeps playing while you work elsewhere in Quartr.Live transcripts
Speaker-by-speaker, in real time. Searchable across every live and historical call.Quartr MCP connects your AI environment to 17K+ public companies
Pull live transcripts, filings, and slides into Claude or Codex via MCP. Combine Quartr's global IR data with any other dataset. Run agentic research and monitoring.
Included with Quartr Pro at no extra cost.Learn more
Quartr's AI stands out because it only pulls clean, first-party data from public companies. In investing, that's everything.
Jamie Ross
Investment Manager, GAM Investments
GAM
GAM
Research that used to take hours now takes seconds with Quartr Pro. Tracking shifts in tone or extracting tables, it's as simple as typing a query.
Tom O'Hara
Investment Director
Ciena
Ciena
Before Quartr we spent hours manually compiling insights through the peer earnings cycle. Now, these tasks are done faster, with greater precision.
Gregg Lampf
VP of Investor Relations
Protean
Protean
Being able to ask specific questions across years of transcripts and reports and instantly get verified answers is a game-changer.
Pontus Dackmo
CEO & Investment Manager
)
)
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.