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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 $14.1M ($0.79/share), up from $6.1M ($0.40/share) in Q2 2025 and rebounding from $273,000 ($0.02/share) in Q1 2026, driven by the Susquehanna acquisition and higher net interest income.
Six-month net income was $14.3M ($0.81/share), compared to $12.4M ($0.80/share) in the prior year period.
Pre-tax, pre-provision net revenue (PPNR) rose to $15.8M in Q2 2026, up from $14.1M in Q1 2026 and $10.3M in Q2 2025.
The Susquehanna acquisition (Oct 2025) added $393.6M in loans, $147.6M in securities, and $501.5M in deposits.
Dividend of $0.28/share declared, payable August 14, 2026.
Financial highlights
Net interest income for Q2 2026 was $29.6M, up $8.5M year-over-year and $1.2M sequentially; net interest margin increased to 4.07% from 3.52% in Q2 2025 and 3.98% in Q1 2026.
Six-month net interest income was $58.1M, up $17.0M year-over-year; net interest margin was 4.02%.
Noninterest income for Q2 2026 was $9.8M, up $1.7M year-over-year and $1.6M sequentially, driven by higher tax credits, loan sales, brokerage, insurance, and trust revenue; six-month noninterest income was $18.0M, up $2.8M.
Noninterest expense for Q2 2026 was $23.8M, up $4.4M year-over-year and $1.1M sequentially, mainly due to increased donations and legal fees; six-month noninterest expense was $46.6M, up $8.1M.
Efficiency ratio improved to 60.1% in Q2 2026 from 65.2% in Q2 2025 and 61.6% in Q1 2026.
Provision for credit losses was a credit of $1.8M in Q2 2026 (vs. $2.4M expense in Q2 2025); six-month provision was $11.8M (vs. $2.6M in 2025), driven by a large commercial real estate charge-off.
Outlook and guidance
Management expects continued integration of Susquehanna to drive growth in net earning assets, noninterest income, and efficiency improvements.
Management is optimistic about profitable loan growth in the second half of 2026 based on current pipelines.
No material changes to previously disclosed risk factors; focus remains on credit quality, integration, and market conditions.
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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 2026 - All proposals passed, merger integration advanced, and a $0.28 dividend was declared.CZNCAGM 2026
- Virtual meeting to vote on directors, executive pay, and auditor, with focus on performance and governance.CZNCProxy Filing
- Merger-driven growth boosted assets and income, but net income fell on higher merger costs.CZNCQ4 2025
- Annual meeting to vote on directors, executive pay, and auditor, with strong governance and oversight.CZNCProxy Filing
- Directors elected, financials improved, and a key acquisition will expand regional assets.CZNCAGM 2025
- Q3 net income and adjusted EPS increased, Susquehanna merger completed, strong capital and liquidity.CZNCQ3 2025
- Q2 2025 saw stable earnings, improved margins, and a pending acquisition to drive future growth.CZNCQ2 2025
- Q2 2024 saw higher net income, strong loan growth, and a declared $0.28 dividend.CZNCQ2 2024
Next Citizens & Northern earnings date
Q3 202623 Oct, 2026
Citizens & Northern
Next Citizens & Northern earnings date
Q3 202623 Oct, 2026
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