Citizens & Northern Corporation (CZNC)

Solvency & Capital Structure

Total Debt

$170M

Net Debt

-$409.3M

Citizens & Northern Corporation currently has $170M in total debt. Net debt is -$409.3M after cash offsets. This 'Net Cash' position indicates exceptional financial strength.

Financial Fundamentals

CZNC • Quarterly Data • 5Y View

Date	Total Debt ($B)	Cash & Inv. ($B)	Net Debt ($B)	Total Assets	Debt/Assets
2026-06-30	0.17	0.58	-0.41Net Cash	3.15	5.4%
2026-03-31	0.19	0.05	0.14	3.16	6.1%
2025-12-31	0.19	0.34	-0.14Net Cash	3.13	6.2%
2025-09-30	0.17	0.33	-0.16Net Cash	2.66	6.5%
2025-06-30	0.18	0.34	-0.16Net Cash	2.61	7.1%
2025-03-31	0.19	0.52	-0.33Net Cash	2.61	7.5%
2024-12-31	0.21	0.35	-0.14Net Cash	2.61	8.0%
2024-09-30	0.23	0.59	-0.37Net Cash	2.67	8.5%
2024-06-30	0.24	0.50	-0.26Net Cash	2.60	9.3%
2024-03-31	0.24	0.45	-0.21Net Cash	2.52	9.4%
2023-12-31	0.21	0.47	-0.26Net Cash	2.52	8.4%
2023-09-30	0.19	0.48	-0.29Net Cash	2.48	7.6%
2023-06-30	0.19	0.50	-0.31Net Cash	2.47	7.5%
2023-03-31	0.23	0.53	-0.29Net Cash	2.43	9.5%
2022-12-31	0.18	0.55	-0.37Net Cash	2.45	7.4%
2022-09-30	0.10	0.55	-0.45Net Cash	2.40	4.1%
2022-06-30	0.17	0.60	-0.43Net Cash	2.41	6.9%
2022-03-31	0.07	0.65	-0.58Net Cash	2.33	3.0%
2021-12-31	0.08	0.62	-0.55Net Cash	2.33	3.3%
2021-09-30	0.09	0.64	-0.55Net Cash	2.35	3.7%
2021-06-30	0.09	0.60	-0.51Net Cash	2.34	4.0%
2021-03-31	0.08	0.57	-0.50Net Cash	2.33	3.3%
2020-12-31	0.09	0.45	-0.36Net Cash	2.24	4.1%
2020-09-30	0.16	0.52	-0.35Net Cash	2.35	6.8%
2020-06-30	0.09	0.41	-0.32Net Cash	1.75	5.4%
2020-03-31	0.12	0.38	-0.26Net Cash	1.63	7.2%
2019-12-31	0.14	0.38	-0.24Net Cash	1.65	8.8%
2019-09-30	0.09	0.41	-0.33Net Cash	1.64	5.3%
2019-06-30	0.07	0.40	-0.33Net Cash	1.61	4.5%
2019-03-31	0.04	0.40	-0.36Net Cash	1.29	2.9%
2018-12-31	0.05	0.40	-0.35Net Cash	1.29	3.8%
2018-09-30	0.04	0.40	-0.36Net Cash	1.29	3.2%
2018-06-30	0.04	0.40	-0.36Net Cash	1.28	3.4%
2018-03-31	0.04	0.38	-0.33Net Cash	1.26	3.5%
2017-12-31	0.07	0.40	-0.33Net Cash	1.28	5.6%
2017-09-30	0.04	0.40	-0.36Net Cash	1.26	3.1%
2017-06-30	0.05	0.40	-0.35Net Cash	1.24	3.8%
2017-03-31	0.06	0.41	-0.35Net Cash	1.23	4.8%
2016-12-31	0.06	0.43	-0.36Net Cash	1.24	5.2%
2016-09-30	0.05	0.44	-0.39Net Cash	1.25	4.3%
2016-06-30	0.06	0.44	-0.38Net Cash	1.23	5.2%
2016-03-31	0.06	0.45	-0.39Net Cash	1.22	5.3%
2015-12-31	0.09	0.46	-0.36Net Cash	1.22	7.5%
2015-09-30	0.07	0.49	-0.42Net Cash	1.23	5.9%
2015-06-30	0.08	0.53	-0.45Net Cash	1.26	6.6%
2015-03-31	0.08	0.56	-0.49Net Cash	1.25	6.3%
2014-12-31	0.08	0.55	-0.47Net Cash	1.24	6.3%
2014-09-30	0.08	0.56	-0.48Net Cash	1.26	6.4%
2014-06-30	0.08	0.57	-0.49Net Cash	1.26	6.2%
2014-03-31	0.08	0.55	-0.47Net Cash	1.24	6.3%
2013-12-31	0.10	0.53	-0.43Net Cash	1.24	7.8%
2013-09-30	0.08	0.52	-0.44Net Cash	1.23	6.3%
2013-06-30	0.09	0.51	-0.42Net Cash	1.23	7.3%
2013-03-31	0.08	0.50	-0.42Net Cash	1.24	6.6%
2012-12-31	0.09	0.53	-0.44Net Cash	1.29	6.9%
2012-09-30	0.11	0.04	0.07	1.31	8.4%
2012-06-30	0.11	0.05	0.06	1.33	8.6%
2012-03-31	0.12	0.06	0.06	1.32	9.1%
2011-12-31	0.14	0.54	-0.41Net Cash	1.32	10.2%
2011-09-30	0.15	0.06	0.09	1.31	11.2%
2011-06-30	0.15	0.05	0.10	1.31	11.7%
2011-03-31	0.15	0.06	0.10	1.32	11.7%
2010-12-31	0.17	0.05	0.12	1.32	12.7%
2010-09-30	0.18	0.05	0.12	1.31	13.5%
2010-06-30	0.20	0.08	0.12	1.34	15.1%
2010-03-31	0.23	0.08	0.16	1.35	17.3%
2009-12-31	0.24	0.09	0.14	1.32	17.8%
2009-09-30	0.25	0.05	0.20	1.28	19.4%
2009-06-30	0.26	0.05	0.21	1.30	20.1%
2009-03-31	0.28	0.05	0.22	1.30	21.3%
2008-12-31	0.29	0.02	0.26	1.28	22.3%
2008-09-30	0.30	0.02	0.28	1.29	23.4%
2008-06-30	0.30	0.03	0.27	1.29	23.2%
2008-03-31	0.30	0.04	0.26	1.28	23.2%
2007-12-31	0.30	0.03	0.27	1.28	23.4%
2007-09-30	0.22	0.02	0.20	1.20	18.2%
2007-06-30	0.20	0.04	0.16	1.22	16.5%
2007-03-31	0.21	0.02	0.19	1.12	18.8%
2006-12-31	0.23	0.03	0.20	1.13	20.3%
2006-09-30	0.23	0.02	0.21	1.13	20.6%
2006-06-30	0.23	0.04	0.19	1.12	20.6%
2006-03-31	0.27	0.02	0.25	1.16	23.2%
2005-12-31	0.27	0.03	0.24	1.16	23.0%
2005-09-30	0.29	0.03	0.26	1.18	24.4%
2005-06-30	0.31	0.02	0.29	1.13	26.9%
2005-03-31	0.31	0.01	0.29	1.13	27.2%
2004-12-31	0.31	0.02	0.29	1.12	27.2%
2004-09-30	0.32	0.01	0.31	1.14	28.3%
2004-06-30	0.32	0.02	0.30	1.12	28.6%
2004-03-31	0.31	0.01	0.29	1.12	27.2%
2003-12-31	0.27	0.02	0.26	1.07	25.6%
2003-09-30	0.26	0.02	0.24	1.05	24.9%
2003-06-30	0.26	0.02	0.23	1.06	24.2%
2003-03-31	0.24	0.02	0.22	1.02	23.8%
2002-12-31	0.25	0.01	0.24	1.02	24.7%
2002-09-30	0.22	0.02	0.20	0.98	22.3%
2002-06-30	0.22	0.02	0.20	0.95	22.8%
2002-03-31	0.22	0.01	0.21	0.92	24.2%
2001-12-31	0.18	0.02	0.17	0.87	21.2%
2001-09-30	0.18	0.03	0.15	0.84	21.4%
2001-06-30	0.16	0.01	0.14	0.81	19.3%
2001-03-31	0.15	0.02	0.13	0.78	18.9%
2000-12-31	0.10	0.01	0.08	0.72	13.2%
2000-09-30	0.11	0.01	0.10	0.70	16.0%
2000-06-30	0.12	0.01	0.10	0.70	16.8%
2000-03-31	0.12	0.01	0.11	0.70	17.7%
1999-12-31	0.12	0.02	0.11	0.71	17.6%
1999-09-30	0.14	0.02	0.12	0.71	19.0%
1999-06-30	0.11	0.01	0.10	0.69	16.5%
1999-03-31	0.09	0.01	0.08	0.67	13.5%
1998-12-31	0.07	0.02	0.06	0.65	11.2%
1998-09-30	0.08	0.01	0.06	0.63	12.2%
1998-06-30	0.08	0.02	0.06	0.63	12.9%
1998-03-31	0.09	0.02	0.07	0.62	13.8%
1997-12-31	0.08	0.00	0.08	0.62	13.1%
1997-09-30	0.09	0.00	0.09	0.62	14.2%
1997-06-30	0.08	0.00	0.08	0.61	13.9%
1997-03-31	0.10	0.00	0.10	0.61	16.0%
1996-12-21	0.10	0.00	0.10	0.61	17.1%
1996-09-30	0.11	0.00	0.11	0.61	17.4%