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Citizens & Northern
Citizens & Northern (CZNC) investor relations material
Citizens & Northern Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2026 earnings summary23 Jul, 2026
Executive summary
Net income for Q2 2026 was $14.1 million ($0.79 per share), a significant rebound from $273,000 ($0.02 per share) in Q1 2026 and up from $6.1 million ($0.40 per share) in Q2 2025.
Pre-tax, pre-provision net revenue (PPNR) rose to $15.8 million in Q2 2026, up from $14.1 million in Q1 2026 and $10.3 million in Q2 2025, reflecting core earnings strength and the impact of the Susquehanna acquisition.
Dividend of $0.28 per share declared, payable August 14, 2026.
Financial highlights
Net interest income for Q2 2026 was $29.6 million, up $1.2 million from Q1 2026 and $8.5 million from Q2 2025.
Net interest margin increased to 4.07% in Q2 2026 from 3.98% in Q1 2026 and 3.52% in Q2 2025.
Noninterest income rose to $9.8 million in Q2 2026, up $1.6 million sequentially, driven by higher tax credits, loan sales, brokerage, insurance, and trust revenue.
Noninterest expense was $23.8 million in Q2 2026, up $1.1 million from Q1 2026, mainly due to increased donations and legal fees.
Efficiency ratio improved to 60.1% in Q2 2026 from 61.6% in Q1 2026 and 65.2% in Q2 2025.
Outlook and guidance
Management is optimistic about profitable loan growth in the second half of 2026 based on current pipelines.
Integration of Susquehanna is expected to continue contributing to revenue and efficiency improvements.
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Latest events from Citizens & Northern
- Q1 2026 profit dropped on a major loan charge-off, but capital and liquidity stayed strong.CZNC
Q1 20268 May 2026 - All proposals passed, merger integration advanced, and a $0.28 dividend was declared.CZNCAGM 202623 Apr 2026
- Virtual meeting to vote on directors, executive pay, and auditor, with focus on performance and governance.CZNCProxy Filing13 Mar 2026
- Directors elected, financials improved, and a key acquisition will expand regional assets.CZNCAGM 20253 Feb 2026
- Merger-driven growth boosted assets and income, but net income fell on higher merger costs.CZNCQ4 202528 Jan 2026
- Annual meeting to vote on directors, executive pay, and auditor, with strong governance and oversight.CZNCProxy Filing2 Dec 2025
- Q3 net income and adjusted EPS increased, Susquehanna merger completed, strong capital and liquidity.CZNCQ3 20257 Nov 2025
- Q2 2024 saw higher net income, strong loan growth, and a declared $0.28 dividend.CZNCQ2 202410 Oct 2025
- Q2 2025 saw stable earnings, improved margins, and a pending acquisition to drive future growth.CZNCQ2 20258 Aug 2025
Next Citizens & Northern earnings date
Q3 202622 Oct, 2026
Citizens & Northern
Next Citizens & Northern earnings date
Q3 202622 Oct, 2026
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