Short answer
CITIZENS & NORTHERN CORP (CZNC) filed its Q2 2026 10-Q quarterly report on Aug 7, 2026 for the quarter ended Jun 30, 2026. Quarterly revenue was $42M (up 28.1% year over year) with net income of $14M.
Q2 2026 key financials · XBRL
- Revenue
- $42M
- +28.1% YoY · +2.4% QoQ
- Net income
- $14M
- +129.8% YoY · +5049.1% QoQ
- EPS (diluted)
- $0.79
- +102.6% YoY · +3850.0% QoQ
Source: XBRL data from the CITIZENS & NORTHERN CORP (CZNC) Q2 2026 10-Q on SEC EDGAR. USD.
CITIZENS & NORTHERN CORP Q2 2026 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Second-quarter net income $14.1M vs $6.1M YoY; net interest income $29.6M vs $21.1M
- Net interest margin 4.07% vs 3.52% YoY; income tax rate 19.3% vs 18.8%
- Best-performing line: net gains from loan sales $608K, up 94.9% YoY
- Noninterest expense $23.8M, up 22.9% YoY, driven by Susquehanna integration
- Credit losses: $1.8M credit vs $2.4M provision YoY; six-month net charge-offs $10.4M vs $639K
Risk Factors
- Risk-factor section not provided; supplied text covers issuer purchases, defaults, other information, and exhibits
- No new or changed risk factors identifiable from the submitted excerpt
- Repurchase authorization: 723,465 shares remaining at June 30, 2026
- Insider-trading compliance: two directors adopted Rule 10b5-1 plans effective May 1, 2026
- Senior-security default status: none reported
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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