Citizens & Northern (CZNC) Debt Ratio (2010 - 2026)

Citizens & Northern has reported Debt Ratio for 17 years, with the latest figure at 0.01 in Q1 2026.

• For the quarter ending Q1 2026, Debt Ratio fell 79.48% year-over-year to 0.01; the trailing twelve-month figure through Mar 2026 stood at 0.01 (down 79.48% YoY), and the FY2025 full-year result was 0.05, up 356.24% from the prior year.
• Debt Ratio for Q1 2026 stood at 0.01, down from 0.05 in the prior quarter.
• The five-year high for Debt Ratio was 0.08 in Q1 2023, with the low at 0.01 in Q3 2022.
• Historically, Debt Ratio has averaged 0.03 across 5 years, with a median of 0.03 in 2024.
• Annual changes were most pronounced in 2023 — Debt Ratio jumped 979.01% — and 2026, when it slumped 79.48%.
• Citizens & Northern's Debt Ratio stood at 0.04 in 2022, then plunged by 45.39% to 0.02 in 2023, then plunged by 55.07% to 0.01 in 2024, then soared by 356.24% to 0.05 in 2025, then tumbled by 74.47% to 0.01 in 2026.
• The last three Debt Ratio figures came in at 0.01 (Q1 2026), 0.05 (Q4 2025), and 0.05 (Q3 2025), per Business Quant data.