Citizens & Northern (CZNC) Loans - Gross (2009 - 2026)
Citizens & Northern (CZNC) reported Loans - Gross of $2.33 billion for Q3 2026, up 19.9% from $1.95 billion a year earlier but down 0.7% from the prior quarter.
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Analysis
Citizens & Northern (CZNC) Loans - Gross (2009 - 2026) Analysis & Trends
At the end of FY2025, Citizens & Northern posted Loans - Gross of $2.35 billion, up 24.2% from FY2024.
- Loans - Gross has increased for four consecutive years, with a five-year compound annual growth rate of 7.4% (FY2020 to FY2025).
- By year, Loans - Gross came in at $1.9 billion in FY2024 (+2.6%), $1.85 billion in FY2023 (+6.2%), $1.74 billion in FY2022 (+11.2%) and $1.56 billion in FY2021 (-4.8%).
- Five-year quarterly Loans - Gross spans a low of $1.54 billion in Q1 2022 and a high of $2.38 billion in Q1 2026.
- Year over year, Loans - Gross has now increased in each of the last 18 quarters, with growth averaging 12.5% over the last eight quarters.
- The high point for year-over-year Loans - Gross in five years was Q1 2026 (growth of 25.6%); the low point was Q4 2021 (a decline of 4.8%).
- Per Business Quant data, the three quarters before Q3 2026 came in at $2.35 billion (Q2 2026), $2.38 billion (Q1 2026) and $2.35 billion (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Loans - Gross (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 909.02 Bn | 886.77 Bn | - | 1,584.64 Bn |
| 2 | Banco Santander Chile | 406.67 Bn | -7,110.43 Bn | - | - |
| 3 | Bank Of America | 350.91 Bn | -2,025.20 Bn | - | 1,251.26 Bn |
| 4 | Hsbc Holdings | 308.71 Bn | -2,966.46 Bn | - | - |
| 5 | Morgan Stanley | 293.66 Bn | -249.15 Bn | - | - |
| 6 | Royal Bank Of Canada | 283.56 Bn | -546.44 Bn | - | 796.62 Bn |
| 7 | Goldman Sachs | 262.71 Bn | -3,480.74 Bn | - | 2.93 Bn |
| 8 | Wells Fargo & Company | 257.44 Bn | 92.87 Bn | - | 1,048.11 Bn |
| 9 | Mitsubishi Ufj Financial | 256.82 Bn | -75.42 Bn | 10.89 Bn | - |
| 10 | Citizens & Northern | 510.15 Mn | 222.62 Mn | - | 2.33 Bn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 2.33 Bn |
| Jun 30, 2026 | 2.35 Bn |
| Mar 31, 2026 | 2.38 Bn |
| Dec 31, 2025 | 2.35 Bn |
| Sep 30, 2025 | 1.95 Bn |
| Jun 30, 2025 | 1.92 Bn |
| Mar 31, 2025 | 1.90 Bn |
| Dec 31, 2024 | 1.90 Bn |
| Sep 30, 2024 | 1.89 Bn |
| Jun 30, 2024 | 1.89 Bn |
| Mar 31, 2024 | 1.87 Bn |
| Dec 31, 2023 | 1.85 Bn |
| Sep 30, 2023 | 1.83 Bn |
| Jun 30, 2023 | 1.81 Bn |
| Mar 31, 2023 | 1.75 Bn |
| Dec 31, 2022 | 1.74 Bn |
| Sep 30, 2022 | 1.69 Bn |
| Jun 30, 2022 | 1.66 Bn |
| Mar 31, 2022 | 1.54 Bn |
| Dec 31, 2021 | 1.56 Bn |
API Access
Citizens & Northern Loans - Gross 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=loans-gross&ticker=CZNC&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "loans-gross", "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=loans-gross&ticker=CZNC&period=max&api_key=YOUR_API_KEY");
const data = await res.json();