Citizens & Northern Corporation filed its Form 10-Q for the quarterly period ended September 30, 2026 with the U.S. Securities and Exchange Commission on November 6, 2026, reporting third-quarter net income of $16,285 thousand and total assets of $3,150,204 thousand.

Key Highlights

  • Net income of $16,285 thousand for the three months ended September 30, 2026, compared to $6,551 thousand for the same period in 2025, according to the filing.
  • Basic and diluted earnings per share of $0.92 for the third quarter of 2026, up from $0.42 in the third quarter of 2025, as reported.
  • Net interest income of $30,205 thousand for the three months ended September 30, 2026, versus $22,263 thousand in the prior-year quarter.
  • Total assets of $3,150,204 thousand at September 30, 2026, compared to $3,132,469 thousand at December 31, 2025.
  • A credit to the provision for credit losses of $(3,171) thousand was recorded in the third quarter of 2026, versus a provision expense of $2,163 thousand in Q3 2025.
  • 17,950,560 shares of common stock outstanding as of November 2, 2026, per the filing.
  • Total stockholders' equity of $343,320 thousand at September 30, 2026, up from $341,714 thousand at December 31, 2025.

Citizens & Northern Reports Q3 2026 Financial Results

According to the filing, Citizens & Northern Corporation (NASDAQ:CZNC) reported net income of $16,285 thousand for the three months ended September 30, 2026, more than doubling from $6,551 thousand in the year-ago quarter. For the nine months ended September 30, 2026, the company reported net income of $30,615 thousand, compared to $18,961 thousand for the same period in 2025. Basic and diluted earnings per share were $1.72 for the nine-month period in 2026, versus $1.22 in 2025.

The filing disclosed total interest and dividend income of $42,276 thousand for the third quarter of 2026, up from $33,650 thousand in the third quarter of 2025. Total interest expense was $12,071 thousand for Q3 2026 compared to $11,387 thousand in Q3 2025, resulting in net interest income of $30,205 thousand. Total noninterest income was $9,352 thousand in Q3 2026, compared to $7,304 thousand in Q3 2025. Total noninterest expense was $22,326 thousand in the third quarter of 2026, compared to $19,389 thousand in the same prior-year period. The filing noted merger-related expenses of $0 in Q3 2026, compared to $882 thousand in Q3 2025.

On the balance sheet, the filing reported loans receivable of $2,331,395 thousand and an allowance for credit losses of $(28,952) thousand at September 30, 2026, compared to $2,354,365 thousand and $(31,048) thousand, respectively, at December 31, 2025. Total deposits grew to $2,608,512 thousand from $2,564,716 thousand at year-end 2025. The company's senior notes, net, stood at $0 at September 30, 2026, down from $14,970 thousand at December 31, 2025. Accumulated other comprehensive loss widened to $(38,763) thousand from $(22,795) thousand over the same period.

What Was Disclosed

Citizens & Northern Corporation disclosed its unaudited consolidated financial results for the quarter and nine months ended September 30, 2026, including income statement, balance sheet, and equity figures, as part of its quarterly report on Form 10-Q filed November 6, 2026.