Citizens & Northern (CZNC) Interest Expense - Deposits (2009 - 2026)
Citizens & Northern (CZNC) posted Interest Expense - Deposits of $10.17 million for Q3 2026, up 7.5% from $9.46 million a year earlier and up 3.5% from the prior quarter.
Powered by 
Analysis
Citizens & Northern (CZNC) Interest Expense - Deposits (2009 - 2026) Analysis & Trends
For the trailing twelve months through Sep 30, 2026, Interest Expense - Deposits at Citizens & Northern was $41.19 million, up 5.8% year-over-year; for FY2025, it was $39.48 million, up 0.7% from FY2024.
- Annual Interest Expense - Deposits has increased for four consecutive years, with a five-year compound annual growth rate of 40.4% (FY2020 to FY2025).
- In prior years, Citizens & Northern's Interest Expense - Deposits was $39.2 million in FY2024 (+61.8%), $24.23 million in FY2023 (+265.1%), $6.64 million in FY2022 (+46.3%) and $4.54 million in FY2021 (-37.2%).
- Quarterly Interest Expense - Deposits has run from a low of $910,000 in Q1 2022 to a high of $11.14 million in Q4 2025 over five years.
- On a year-over-year basis, Interest Expense - Deposits has increased in each of the last four quarters, with growth averaging 5.5% over the last eight quarters.
- The strongest year-over-year quarter for Interest Expense - Deposits in the past five years was Q2 2023, with growth of 351.2%; the weakest was Q4 2021, with a decline of 34.9%.
- According to Business Quant data, Interest Expense - Deposits for the three prior quarters was $9.82 million (Q2 2026), $10.06 million (Q1 2026) and $11.14 million (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Expense - Deposits (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 909.02 Bn | 886.77 Bn | - | 11.40 Bn |
| 2 | Banco Santander Chile | 406.67 Bn | -7,110.43 Bn | - | - |
| 3 | Bank Of America | 350.91 Bn | -2,025.20 Bn | - | 7.61 Bn |
| 4 | Hsbc Holdings | 308.71 Bn | -2,966.46 Bn | - | - |
| 5 | Morgan Stanley | 293.66 Bn | -249.15 Bn | - | 3.09 Bn |
| 6 | Royal Bank Of Canada | 283.56 Bn | -546.44 Bn | - | 7.85 Bn |
| 7 | Goldman Sachs | 262.71 Bn | -3,480.74 Bn | - | 5.09 Bn |
| 8 | Wells Fargo & Company | 257.44 Bn | 92.87 Bn | - | 5.85 Bn |
| 9 | Mitsubishi Ufj Financial | 256.82 Bn | -75.42 Bn | 10.89 Bn | 3.48 Bn |
| 10 | Citizens & Northern | 510.15 Mn | 222.62 Mn | - | 10.17 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 10.17 Mn |
| Jun 30, 2026 | 9.82 Mn |
| Mar 31, 2026 | 10.06 Mn |
| Dec 31, 2025 | 11.14 Mn |
| Sep 30, 2025 | 9.46 Mn |
| Jun 30, 2025 | 9.28 Mn |
| Mar 31, 2025 | 9.59 Mn |
| Dec 31, 2024 | 10.58 Mn |
| Sep 30, 2024 | 10.41 Mn |
| Jun 30, 2024 | 9.31 Mn |
| Mar 31, 2024 | 8.89 Mn |
| Dec 31, 2023 | 8.64 Mn |
| Sep 30, 2023 | 7.26 Mn |
| Jun 30, 2023 | 5.10 Mn |
| Mar 31, 2023 | 3.23 Mn |
| Dec 31, 2022 | 2.63 Mn |
| Sep 30, 2022 | 1.97 Mn |
| Jun 30, 2022 | 1.13 Mn |
| Mar 31, 2022 | 910,000.00 |
| Dec 31, 2021 | 980,000.00 |
API Access
Citizens & Northern Interest Expense - Deposits 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=interest-expense-deposits&ticker=CZNC&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "interest-expense-deposits", "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=interest-expense-deposits&ticker=CZNC&period=max&api_key=YOUR_API_KEY");
const data = await res.json();