Citizens & Northern (CZNC) Loans - Loss Allowance (2010 - 2026)
Citizens & Northern (CZNC) posted Loans - Loss Allowance of $32.58 million for Q2 2026, up 50.2% from $21.7 million a year earlier but down 3.7% from the prior quarter.
Powered by 
Analysis
Citizens & Northern (CZNC) Loans - Loss Allowance (2010 - 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 $12.7 million in Q3 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 28 quarters, with growth averaging 26.5% 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 $33.83 million (Q1 2026), $31.05 million (Q4 2025) and $23.47 million (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Loans - Loss Allowance (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 879.54 Bn | 909.01 Bn | - | 26.15 Bn |
| 2 | Banco Santander Chile | 418.48 Bn | 538.42 Bn | - | 347,603.00 |
| 3 | Bank Of America | 381.92 Bn | -1,994.15 Bn | - | 13.11 Bn |
| 4 | Hsbc Holdings | 341.10 Bn | 341.15 Bn | - | - |
| 5 | Morgan Stanley | 295.71 Bn | -213.38 Bn | - | - |
| 6 | Royal Bank Of Canada | 275.38 Bn | 126.13 Bn | - | -5.33 Bn |
| 7 | Mitsubishi Ufj Financial | 273.79 Bn | -1,314.70 Bn | 10.89 Bn | -331.64 Mn |
| 8 | Goldman Sachs | 262.78 Bn | -3,294.34 Bn | - | - |
| 9 | Wells Fargo & Company | 242.61 Bn | 244.75 Bn | - | 13.91 Bn |
| 10 | Citizens & Northern | 448.91 Mn | 137.03 Mn | - | 32.58 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| 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 |
| Sep 30, 2021 | 12.70 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();