Citizens & Northern Bank: Off-Balance-Sheet Exposure
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Data as of · Call Report Schedules RC-L and RC-R How we update
On its Q2 2026 filing, Citizens & Northern Bank reported 8 of the 9 line items on this page. It did not report foreign exchange derivatives, notional. Unused loan commitments was $125.0M in Q2 2026, up 41.5% from $88.3M in Q2 2025. That is 4.0% of its total assets. Across the 12 quarters shown it ranged from $74.1M (Q4 2023) to $125.0M (Q2 2026).
What the off-balance-sheet exposure page covers and where each line comes from.
Compared with Q1 2026, Total derivatives, notional fell 4.5% in Q2 2026 to $129.5M, the biggest move on this page.
Commitments
| Line item | Q2 2026 |
|---|---|
| Unused loan commitments | $125.0M |
| Letters of credit | $6.4M |
Source: Call Report Schedules RC-L and RC-R. Open the filed call report for Q2 2026 on the FFIEC CDR.
Derivatives
| Line item | Q2 2026 |
|---|---|
| Total derivatives, notional | $129.5M |
| Interest rate swaps, notional | $0 |
| Foreign exchange derivatives, notional | — |
| Derivatives notional to total assets | 4.12% |
Notional value is the reference amount a contract is calculated on. It measures activity, not exposure: credit exposure is a small fraction of notional.
Source: Call Report Schedules RC-L and RC-R. Open the filed call report for Q2 2026 on the FFIEC CDR.
Trading positions
| Line item | Q2 2026 |
|---|---|
| Trading account assets | $0 |
| Trading liabilities | $0 |
| Trading assets to total assets | 0.00% |
Source: Call Report Schedules RC-L and RC-R. Open the filed call report for Q2 2026 on the FFIEC CDR.
Off-Balance-Sheet Exposure trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Off-Balance-Sheet Exposure by quarter
| Quarter | Unused commitments | Letters of credit | Derivatives notional / assets |
|---|---|---|---|
| Q3 2023 | $75.4M | $6.5M | 6.17% |
| Q4 2023 | $74.1M | $6.5M | 6.00% |
| Q1 2024 | $78.1M | $6.2M | 5.94% |
| Q2 2024 | $80.3M | $7.0M | 5.72% |
| Q3 2024 | $82.4M | $7.2M | 5.38% |
| Q4 2024 | $83.5M | $7.2M | 5.46% |
| Q1 2025 | $85.9M | $6.7M | 5.42% |
| Q2 2025 | $88.3M | $6.6M | 5.51% |
| Q3 2025 | $92.9M | $6.4M | 5.20% |
| Q4 2025 | $113.0M | $6.3M | 4.38% |
| Q1 2026 | $120.7M | $6.4M | 4.30% |
| Q2 2026 | $125.0M | $6.4M | 4.12% |
Citizens & Northern Bank off-balance-sheet exposure, quarter by quarter
Off-Balance-Sheet Exposure since Q2 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC-L and RC-R, 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)