Citizens & Northern (CZNC) Change in Net Loans (2010 - 2026)
Citizens & Northern (CZNC) recorded Change in Net Loans of -$36.88 million in Q2 2026, compared with $21.45 million a year earlier.
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Analysis
Citizens & Northern (CZNC) Change in Net Loans (2010 - 2026) Analysis & Trends
On a TTM basis, Citizens & Northern's Change in Net Loans came in at $45.48 million as of Jun 30, 2026, up 64.9% year-over-year; for FY2025, it was $65.8 million, up 35.1% from FY2024.
- Across earlier years, Change in Net Loans came in at $48.7 million in FY2024 (-54.6%), $107.36 million in FY2023 (-39.8%), $178.2 million in FY2022 and -$78.75 million in FY2021.
- The Q2 2026 figure is the lowest quarterly Change in Net Loans since Q4 2020.
- On a year-over-year basis, Change in Net Loans rose in two of the last five quarters, with growth averaging 35.3%.
- Peak year-over-year performance for Change in Net Loans in the last five years was growth of 453.6% in Q1 2024, against a decline of 96.1% in Q3 2024 at the low end.
- Per Business Quant, the preceding three quarters came in at $40.57 million (Q1 2026), $15.96 million (Q4 2025) and $25.83 million (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Change in Net Loans (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 886.05 Bn | 915.53 Bn | - | - |
| 2 | Banco Santander Chile | 409.93 Bn | 529.88 Bn | - | - |
| 3 | Bank Of America | 377.01 Bn | -1,999.06 Bn | - | - |
| 4 | Hsbc Holdings | 329.11 Bn | 329.16 Bn | - | - |
| 5 | Morgan Stanley | 295.54 Bn | -213.55 Bn | - | 12.69 Bn |
| 6 | Royal Bank Of Canada | 273.59 Bn | 124.33 Bn | - | -22.01 Bn |
| 7 | Mitsubishi Ufj Financial | 268.33 Bn | -1,320.16 Bn | 10.89 Bn | - |
| 8 | Goldman Sachs | 261.29 Bn | -3,295.82 Bn | - | 7.29 Bn |
| 9 | Wells Fargo & Company | 243.13 Bn | 245.26 Bn | - | -19.63 Bn |
| 10 | Citizens & Northern | 451.96 Mn | 140.08 Mn | - | -36.88 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | -36.88 Mn |
| Mar 31, 2026 | 40.57 Mn |
| Dec 31, 2025 | 15.96 Mn |
| Sep 30, 2025 | 25.83 Mn |
| Jun 30, 2025 | 21.45 Mn |
| Mar 31, 2025 | 2.56 Mn |
| Dec 31, 2024 | 2.95 Mn |
| Sep 30, 2024 | 632,000.00 |
| Jun 30, 2024 | 20.81 Mn |
| Mar 31, 2024 | 24.31 Mn |
| Dec 31, 2023 | 17.36 Mn |
| Sep 30, 2023 | 16.27 Mn |
| Jun 30, 2023 | 69.33 Mn |
| Mar 31, 2023 | 4.39 Mn |
| Dec 31, 2022 | 51.41 Mn |
| Sep 30, 2022 | 34.50 Mn |
| Jun 30, 2022 | 119.10 Mn |
| Mar 31, 2022 | -26.81 Mn |
| Dec 31, 2021 | -10.73 Mn |
| Sep 30, 2021 | -21.06 Mn |
API Access
Citizens & Northern Change in Net Loans API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=change-in-net-loans&ticker=CZNC&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "change-in-net-loans", "ticker": "CZNC", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=change-in-net-loans&ticker=CZNC&period=max&api_key=YOUR_API_KEY");
const data = await res.json();