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

Citizens & Northern's Debt Ratio history runs 17 years deep, the most recent figure standing at 0.05 for Q1 2026.

• On a quarterly basis, Debt Ratio rose 396.34% year-over-year to 0.05 in Q1 2026; TTM through Mar 2026 was 0.05, a 396.34% increase from a year earlier, with the FY2025 full-year figure at 0.01, up 32.97% from the prior year.
• Debt Ratio climbed to 0.05 in Q1 2026 per CZNC's latest filing, from 0.01 in the prior quarter.
• Across five years, Debt Ratio topped out at 0.08 in Q1 2023 and bottomed at 0.01 in Q3 2025.
• The 5-year median for Debt Ratio is 0.02 (2024), against an average of 0.03.
• Across the five-year window, Debt Ratio soared 420.6% in 2023 and slumped 87.57% in 2025, its largest moves.
• Year by year, Debt Ratio stood at 0.06 in 2022, then sank by 59.86% to 0.02 in 2023, then tumbled by 55.07% to 0.01 in 2024, then soared by 32.97% to 0.01 in 2025, then surged by 247.66% to 0.05 in 2026.
• Per Business Quant, the three latest CZNC Debt Ratio figures stand at 0.05 (Q1 2026), 0.01 (Q4 2025), and 0.01 (Q3 2025).