Citizens & Northern (CZNC) Interest Expense - Deposits (2010 - 2026)
Citizens & Northern (CZNC) posted Interest Expense - Deposits of $9.82 million for Q2 2026, up 5.8% from $9.28 million a year earlier but down 2.4% from the prior quarter.
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Analysis
Citizens & Northern (CZNC) Interest Expense - Deposits (2010 - 2026) Analysis & Trends
For the trailing twelve months through Jun 30, 2026, Interest Expense - Deposits at Citizens & Northern was $40.48 million, up 1.5% 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 three quarters, with growth averaging 10.0% 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 Q3 2021, with a decline of 40.5%.
- According to Business Quant data, Interest Expense - Deposits for the three prior quarters was $10.06 million (Q1 2026), $11.14 million (Q4 2025) and $9.46 million (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Expense - Deposits (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 879.54 Bn | 909.01 Bn | - | 10.76 Bn |
| 2 | Banco Santander Chile | 418.48 Bn | 538.42 Bn | - | - |
| 3 | Bank Of America | 381.92 Bn | -1,994.15 Bn | - | 7.37 Bn |
| 4 | Hsbc Holdings | 341.10 Bn | 341.15 Bn | - | - |
| 5 | Morgan Stanley | 295.71 Bn | -213.38 Bn | - | 2.70 Bn |
| 6 | Royal Bank Of Canada | 275.38 Bn | 126.13 Bn | - | 7.85 Bn |
| 7 | Mitsubishi Ufj Financial | 273.79 Bn | -1,314.70 Bn | 10.89 Bn | 3.48 Bn |
| 8 | Goldman Sachs | 262.78 Bn | -3,294.34 Bn | - | 5.10 Bn |
| 9 | Wells Fargo & Company | 242.61 Bn | 244.75 Bn | - | 5.52 Bn |
| 10 | Citizens & Northern | 448.91 Mn | 137.03 Mn | - | 9.82 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| 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 |
| Sep 30, 2021 | 1.06 Mn |
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();