Citizens & Northern (CZNC) Provision for Losses (2009 - 2026)
Citizens & Northern's Provision for Losses came in at -$1.85 million for Q2 2026, compared with $2.35 million a year earlier.
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Analysis
Citizens & Northern (CZNC) Provision for Losses (2009 - 2026) Analysis & Trends
Over the trailing twelve months to Jun 30, 2026, Citizens & Northern reported Provision for Losses of $15.24 million, up 366.6% year-over-year; for FY2025, it came in at $6.07 million, up 176.7% from FY2024.
- Provision for Losses carries a five-year compound annual growth rate of 9.2% (FY2020 to FY2025).
- Going back by year, Provision for Losses was $2.2 million in FY2024, $186,000 in FY2023 (-97.4%), $7.26 million in FY2022 (+98.2%) and $3.66 million in FY2021 (-6.4%).
- The Q2 2026 figure represents the lowest quarterly Provision for Losses in data going back to Q2 2010.
- The fastest year-over-year change in Provision for Losses over five years came in Q2 2025 (growth of 316.6%), and the weakest in Q1 2025 (a decline of 75.3%).
- Business Quant data shows CZNC's Provision for Losses at $13.6 million (Q1 2026), $1.32 million (Q4 2025) and $2.16 million (Q3 2025) in the three quarters before Q2 2026.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Provision for Losses (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 909.02 Bn | 886.77 Bn | - | 2.74 Bn |
| 2 | Banco Santander Chile | 406.67 Bn | -7,110.43 Bn | - | - |
| 3 | Bank Of America | 350.91 Bn | -2,025.20 Bn | - | 1.30 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 | - | 717.20 Mn |
| 7 | Goldman Sachs | 262.71 Bn | -3,480.74 Bn | - | 368.00 Mn |
| 8 | Wells Fargo & Company | 257.44 Bn | 92.87 Bn | - | 1.03 Bn |
| 9 | Mitsubishi Ufj Financial | 256.82 Bn | -75.42 Bn | 10.89 Bn | - |
| 10 | Citizens & Northern | 510.15 Mn | 222.62 Mn | - | -3.17 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | -3.17 Mn |
| Jun 30, 2026 | -1.85 Mn |
| Mar 31, 2026 | 13.60 Mn |
| Dec 31, 2025 | 1.32 Mn |
| Sep 30, 2025 | 2.16 Mn |
| Jun 30, 2025 | 2.35 Mn |
| Mar 31, 2025 | 236,000.00 |
| Dec 31, 2024 | -531,000.00 |
| Sep 30, 2024 | 1.21 Mn |
| Jun 30, 2024 | 565,000.00 |
| Mar 31, 2024 | 954,000.00 |
| Dec 31, 2023 | 951,000.00 |
| Sep 30, 2023 | -1.23 Mn |
| Jun 30, 2023 | 812,000.00 |
| Mar 31, 2023 | -352,000.00 |
| Dec 31, 2022 | 2.26 Mn |
| Sep 30, 2022 | 3.79 Mn |
| Jun 30, 2022 | 308,000.00 |
| Mar 31, 2022 | 891,000.00 |
| Dec 31, 2021 | 1.13 Mn |
API Access
Citizens & Northern Provision for Losses 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=provision-for-losses&ticker=CZNC&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "provision-for-losses", "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=provision-for-losses&ticker=CZNC&period=max&api_key=YOUR_API_KEY");
const data = await res.json();