Short answer
CITIZENS & NORTHERN CORP (CZNC) filed its Q1 2026 10-Q quarterly report on May 8, 2026 for the quarter ended Mar 31, 2026. Quarterly revenue was $41M (up 28.0% year over year) with net income of $273,000.
Q1 2026 key financials · XBRL
- Revenue
- $41M
- +28.0% YoY
- Net income
- $273,000
- −95.7% YoY
- EPS (diluted)
- $0.02
- −95.1% YoY
Source: XBRL data from the CITIZENS & NORTHERN CORP (CZNC) Q1 2026 10-Q on SEC EDGAR. USD.
CITIZENS & NORTHERN CORP Q1 2026 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Net interest income $28.454M, up $8.479M YoY; net margin 3.98% vs 3.38%
- Net income $273K vs $6.293M YoY; provision $13.602M vs $236K
- Worst credit performance: charge-offs $10.808M vs $91K, including $10.056M office-loan charge-off
- ACL 1.42% of gross loans vs 1.06% YoY; noninterest income $8.195M, up 16.9%
- Susquehanna integration headwinds, economic uncertainty, credit losses, competition and technology risks ahead
Risk Factors
- No risk-factors section provided; supplied text contains Items 2–6 and signatures only
- Repurchase authorization: 723,465 shares remaining under the 750,000-share program at March 31, 2026
- No equity repurchases during first-quarter 2026
- Merger agreement with Susquehanna Community Financial dated April 23, 2025 disclosed as Exhibit 2.1
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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