Business
CITIZENS & NORTHERN CORP: BUSINESS Citizens & Northern Corporation ("Corporation") is a bank holding company whose principal activity is community banking.
Net income decreased 9.8% to $23.4M, while Dividends increased 4.9% to $16.3M.
The read at a glance✓ Audited against SEC data
- Earnings — FY2025 net income $23.4MOK
- Profitability — Net income $23.4MOK
- Balance-sheet lens — Credit, capital, funding and liquidityOK
- Accounting — No applicable forensic screenNote
- Insiders — 18 buys; 0 sells in 365 daysOK
- Capital — dividends paid were $16.3MNote
Where the revenue comes from
Fiscal 2025, as CITIZENS & NORTHERN CORP reports it. History and quarterly detail are in the app.
- Deposit Account$6.0M
- Debit Card$4.6M
- Bank Servicing$643K
Leadership changes
From CITIZENS & NORTHERN CORP's own filings, the day they're filed.
- Christian C. Trate · director · appointmenteff. 2025-10-01
- Kelley Cwiklinski · President and Chief Lending Officer · departure
- Northern Bank · departure
Latest filings
- 10-Q · Quarterly report2026-08-07
- 8-K · Company announcement2026-07-23
- 8-K · Company announcement2026-05-11
- 10-Q · Quarterly report2026-05-08
- 8-K · Company announcement2026-04-29
In the full recordFree for 14 days
- What changed🔒
- Insider signal🔒
- Growth quality🔒
- Margins & accounting🔒
- Capital allocation🔒
- Real risks🔒
- The long arc🔒
- Company history🔒
- The filings, readable — with what changed vs the prior year highlighted🔒
- Full financial statements, industry-aware, sources cited throughout🔒
- Forensic score history & components — the trend, not one year🔒
- Ownership: insider buys/sells, clusters, activist stakes🔒
- Ana — ask about CITIZENS & NORTHERN CORP, every answer cited to the official filings🔒
Every figure comes from the company's filings, and analysis whose figures don't match SEC data is rejected before publication.
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