Citizens & Northern CORP 10-K annual reports

Citizens & Northern Corporation reported a decrease in GAAP net income for 2025 but an increase in adjusted net income, driven by the Susquehanna merger and improved net interest margin, despite higher credit loss provisions and nonperforming assets.

Citizens & Northern Corporation reports a rise in net income for 2024, driven by growth in loans and deposits, though net interest margin experienced a slight decline.

Citizens & Northern Corporation reported a solid financial performance in 2023, navigating challenges including interest rate hikes and bank failures while maintaining a strong deposit base and focusing on customer relationships.