Citizens & Northern Bank: Income and Expense
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Data as of · Call Report Schedule RI How we update
Citizens & Northern Bank reported all 18 line items on this page on its Q2 2026 filing. Net income was $14.5M in Q2 2026, up 122.4% from $6.5M in Q2 2025.
What the income and expense page covers and where each line comes from.
Open the full profitability analysis: return on equity taken apart into each income statement line's share of average assets and the leverage on equity, what moved it since a year earlier, and peers measured the same way.
Return on equity climbed 15.82 percentage points in Q2 2026, from 0.71% to 16.52%. It was the largest change from Q1 2026 among the key lines here. Within Pennsylvania, Citizens & Northern Bank is 11th of 109 on return on assets, 1.83% as of Q2 2026. Citizens & Northern Bank reported 1.83% on return on assets for Q2 2026, 0.56 points above the 1.27% median for banks in the $1B-10B asset tier.
Net income
| Line item | Q2 2026 |
|---|---|
| Net income | $14.5M |
| Return on assets | 1.83% |
| Return on equity | 16.52% |
Source: Call Report Schedule RI. Open the filed call report for Q2 2026 on the FFIEC CDR.
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $37.3M |
| Total interest expense | $11.6M |
| Interest expense on deposits | $9.8M |
| Net interest margin | 4.10% |
Source: Call Report Schedule RI. Open the filed call report for Q2 2026 on the FFIEC CDR.
Noninterest income and expense
| Line item | Q2 2026 |
|---|---|
| Total noninterest expense | $23.5M |
| Salaries and general administrative expense | $14.8M |
| Amortization of intangibles | $815K |
| Other noninterest expense | $7.9M |
| Efficiency ratio | 56.75% |
Source: Call Report Schedule RI. Open the filed call report for Q2 2026 on the FFIEC CDR.
Productivity
| Line item | Q2 2026 |
|---|---|
| Assets per employee | $6.9M |
| Revenue per employee | $351K |
| Full-time equivalent employees | 453 |
Source: Call Report Schedule RI. Open the filed call report for Q2 2026 on the FFIEC CDR.
Credit costs and securities results
| Line item | Q2 2026 |
|---|---|
| Provision for credit losses | -$1.8M |
| Provision expense to average assets | -0.23% |
| Realized gain/(loss) on securities | $0 |
Source: Call Report Schedule RI. Open the filed call report for Q2 2026 on the FFIEC CDR.
Income and Expense trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Each bar is that quarter alone, not a year-to-date total.
Lower is better: it is expense as a share of revenue.
Income and Expense by quarter
| Quarter | Net income | Return on assets | Return on equity | Efficiency ratio |
|---|---|---|---|---|
| Q3 2023 | $8.0M | 1.27% | 12.54% | 65.56% |
| Q4 2023 | $4.6M | 0.73% | 7.01% | 62.75% |
| Q1 2024 | $5.7M | 0.89% | 8.31% | 68.42% |
| Q2 2024 | $6.4M | 1.00% | 9.45% | 67.98% |
| Q3 2024 | $6.7M | 1.01% | 9.50% | 64.64% |
| Q4 2024 | $8.5M | 1.27% | 11.85% | 63.35% |
| Q1 2025 | $6.6M | 1.02% | 9.17% | 68.04% |
| Q2 2025 | $6.5M | 1.00% | 8.87% | 63.71% |
| Q3 2025 | $6.9M | 1.04% | 9.19% | 63.31% |
| Q4 2025 | $4.8M | 0.61% | 5.92% | 77.61% |
| Q1 2026 | $616K | 0.08% | 0.71% | 58.29% |
| Q2 2026 | $14.5M | 1.83% | 16.52% | 56.75% |
Citizens & Northern Bank income and expense, quarter by quarter
Income and Expense since Q2 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RI, Q2 2026. How these pages are built. See the full Citizens & Northern Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7799) · FFIEC NIC profile (RSSD 895710)