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Citizens & Northern (CZNC) investor relations material
Citizens & Northern Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary24 Jul, 2025
Executive summary
Net income for Q2 2025 was $6.12M ($0.40/share), nearly flat year-over-year; six-month net income rose to $12.41M ($0.80/share), up from $11.42M in 2024.
Net interest income increased 8.7% year-over-year in Q2, driven by higher asset yields and lower funding costs; net interest margin rose to 3.52%.
Announced pending acquisition of Susquehanna Community Financial, Inc. (SQCF), expected to close in Q4 2025, with $167K in merger-related expenses in Q2.
Board declared a $0.28/share quarterly dividend, payable August 15, 2025.
Financial highlights
Q2 2025 net interest income was $21.14M, up $1.7M year-over-year; six-month net interest income was $41.1M, up $2.6M year-over-year.
Noninterest income for Q2 was $8.14M, up 3.7% year-over-year, driven by higher tax credits, interchange revenue, and loan sales.
Provision for credit losses increased to $2.4M in Q2 (from $565K), reflecting higher qualitative and economic forecast factors.
Noninterest expense in Q2 was $19.4M, up $143K year-over-year, including $167K in merger-related costs.
Total assets at June 30, 2025 were $2.61B; loans receivable net of allowance were $1.90B; deposits totaled $2.11B.
Outlook and guidance
Management expects the SQCF acquisition to be accretive to EPS in the first year post-closing (excluding one-time charges), but notes integration risks and potential for higher costs.
The merger is subject to regulatory and shareholder approvals and is anticipated to close in Q4 2025.
Management highlights risks and uncertainties related to the merger, integration, and realization of synergies.
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Next Citizens & Northern earnings date
Q3 202524 Oct, 2025
Next Citizens & Northern earnings date
Q3 202524 Oct, 2025
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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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