Citizens & Northern (CZNC) Loans - Loss Allowance (2009 - 2026)
Citizens & Northern (CZNC) posted Loans - Loss Allowance of $28.95 million for Q3 2026, up 23.3% from $23.47 million a year earlier but down 11.1% from the prior quarter.
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Analysis
Citizens & Northern (CZNC) Loans - Loss Allowance (2009 - 2026) Analysis & Trends
At the end of FY2025, Citizens & Northern's Loans - Loss Allowance came in at $31.05 million, up 55.0% from FY2024.
- Annual Loans - Loss Allowance has increased for 11 consecutive years, with a five-year compound annual growth rate of 22.2% (FY2020 to FY2025).
- In prior years, Citizens & Northern's Loans - Loss Allowance was $20.04 million in FY2024 (+4.3%), $19.21 million in FY2023 (+15.6%), $16.62 million in FY2022 (+22.7%) and $13.54 million in FY2021 (+18.9%).
- Quarterly Loans - Loss Allowance has run from a low of $13.54 million in Q4 2021 to a high of $33.83 million in Q1 2026 over five years.
- On a year-over-year basis, Loans - Loss Allowance has increased in each of the last 29 quarters, with growth averaging 27.8% over the last eight quarters.
- Over the past five years, the year-over-year growth in Loans - Loss Allowance ranged from 0.7% (Q1 2025) to 67.7% (Q1 2026).
- According to Business Quant data, Loans - Loss Allowance for the three prior quarters was $32.58 million (Q2 2026), $33.83 million (Q1 2026) and $31.05 million (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Loans - Loss Allowance (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 909.02 Bn | 886.77 Bn | - | 26.27 Bn |
| 2 | Banco Santander Chile | 406.67 Bn | -7,110.43 Bn | - | - |
| 3 | Bank Of America | 350.91 Bn | -2,025.20 Bn | - | 13.01 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 | - | -5.30 Bn |
| 7 | Goldman Sachs | 262.71 Bn | -3,480.74 Bn | - | - |
| 8 | Wells Fargo & Company | 257.44 Bn | 92.87 Bn | - | 13.82 Bn |
| 9 | Mitsubishi Ufj Financial | 256.82 Bn | -75.42 Bn | 10.89 Bn | -7.49 Bn |
| 10 | Citizens & Northern | 510.15 Mn | 222.62 Mn | - | 28.95 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 28.95 Mn |
| Jun 30, 2026 | 32.58 Mn |
| Mar 31, 2026 | 33.83 Mn |
| Dec 31, 2025 | 31.05 Mn |
| Sep 30, 2025 | 23.47 Mn |
| Jun 30, 2025 | 21.70 Mn |
| Mar 31, 2025 | 20.17 Mn |
| Dec 31, 2024 | 20.04 Mn |
| Sep 30, 2024 | 20.44 Mn |
| Jun 30, 2024 | 20.38 Mn |
| Mar 31, 2024 | 20.02 Mn |
| Dec 31, 2023 | 19.21 Mn |
| Sep 30, 2023 | 18.09 Mn |
| Jun 30, 2023 | 19.06 Mn |
| Mar 31, 2023 | 18.35 Mn |
| Dec 31, 2022 | 16.62 Mn |
| Sep 30, 2022 | 16.17 Mn |
| Jun 30, 2022 | 14.55 Mn |
| Mar 31, 2022 | 14.27 Mn |
| Dec 31, 2021 | 13.54 Mn |
API Access
Citizens & Northern Loans - Loss Allowance 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-loss-allowance&ticker=CZNC&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "loans-loss-allowance", "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-loss-allowance&ticker=CZNC&period=max&api_key=YOUR_API_KEY");
const data = await res.json();