)
Edge28 Nov 2025
Keeping the Streak Alive: The Story of Duolingo
How Duolingo made language learning addictive, scaled to millions of users, and built a powerful subscription business around everyday practice.
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
Completed the acquisition of Susquehanna Community Financial, Inc. on October 1, 2025, adding $587 million in assets and $501 million in deposits.
Net income for Q3 2025 was $6.6 million ($0.42 per share), up from $6.4 million ($0.41 per share) in Q3 2024; adjusted EPS excluding merger expenses was $0.47.
Net income for the nine months ended September 30, 2025, was $19.0 million ($1.22 per share), up from $17.8 million ($1.16 per share) in the prior year period.
Adjusted nine-month earnings were $19.81 million ($1.28 per share), excluding merger expenses.
Declared a $0.28 per share quarterly dividend, payable November 14, 2025.
Financial highlights
Net interest income for Q3 2025 increased by $2.1 million year-over-year to $22.3 million; net interest margin rose to 3.62%.
Provision for credit losses in Q3 2025 was $2.2 million, up from $1.2 million in Q3 2024; allowance for credit losses (ACL) rose to 1.21% of loans.
Noninterest income for Q3 2025 was $7.3 million, up $0.2 million year-over-year, with trust revenue and debit card interchange showing growth.
Noninterest expense for Q3 2025 was $19.4 million, up $1.1 million, including $0.9 million in merger-related costs.
Total assets at September 30, 2025 were $2.66 billion, down 0.25% year-over-year; deposits were $2.17 billion, up 1.4%.
Outlook and guidance
Management expects the Susquehanna acquisition to be accretive to EPS in the first year post-closing, excluding one-time charges.
Estimated total pre-tax merger-related expenses for Susquehanna are $7.5 million, with most costs in Q4 2025.
Continued integration efforts and realization of merger synergies are expected in coming quarters.
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Citizens & Northern earnings date
Q4 202522 Jan, 2026
Next Citizens & Northern earnings date
Q4 202522 Jan, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage