Balance Sheet
Cash Flow Statement
AcquisitionsAmortizatization of IntangiblesCapital ExpendituresCash from Financing ActivitiesCash from Investing ActivitiesCash from OperationsChange in Accured ExpensesChange in Acquisitions & DivestmentsChange in CashChange in LoansChange in Net LoansDeferred TaxesDepreciation & Amortization (CF)Dividends Paid - CommonFree Cash FlowGains from Investment SecuritiesLong-Term Debt RepaymentsNet Cash FlowNet IncomeOther financing activitiesSales of Property, Plant and EquipmentShares RepurchasedShort-Term Debt issuances
Daily Values
Growth Metrics
Income Statement
Others
Ratios

Citizens & Northern (CZNC) Change in Net Loans (2017 - 2025)

Citizens & Northern's Change in Net Loans history spans 9 years, with the latest figure at $16.0 million for Q4 2025.

  • For Q4 2025, Change in Net Loans rose 441.97% year-over-year to $16.0 million; the TTM value through Dec 2025 reached $65.8 million, up 35.12%, while the annual FY2025 figure was $65.8 million, 35.12% up from the prior year.
  • Change in Net Loans reached $16.0 million in Q4 2025 per CZNC's latest filing, down from $25.8 million in the prior quarter.
  • In the past five years, Change in Net Loans ranged from a high of $119.1 million in Q2 2022 to a low of -$29.9 million in Q1 2021.
  • Average Change in Net Loans over 5 years is $16.1 million, with a median of $16.1 million recorded in 2023.
  • Peak YoY movement for Change in Net Loans: tumbled 123.08% in 2021, then skyrocketed 3987.18% in 2025.
  • A 5-year view of Change in Net Loans shows it stood at -$10.7 million in 2021, then soared by 579.22% to $51.4 million in 2022, then crashed by 66.24% to $17.4 million in 2023, then plummeted by 83.03% to $2.9 million in 2024, then soared by 441.97% to $16.0 million in 2025.
  • Per Business Quant, the three most recent readings for CZNC's Change in Net Loans are $16.0 million (Q4 2025), $25.8 million (Q3 2025), and $21.4 million (Q2 2025).