Return On Equity	(Dec 31 2025) 2025	(Dec 31 2024) 2024	(Dec 31 2023) 2023	(Dec 31 2022) 2022	(Dec 31 2021) 2021
Y / Y Equity Change	24.13 %	4.92 %	5.24 %	-17.28 %	0.55 %
Y / Y Net Income Change	-9.75 %	7.5 %	-9.28 %	-12.88 %	58.95 %
Return On Equity	6.86 %	9.43 %	9.2 %	10.68 %	10.14 %

CZNC all Ratios >> Back to CZNC Management Effectiveness >> See Quarterly CZNC Return On Equity

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Roe Comment

In (Dec 31 2025) ROE decreased compare to previous year to 6.86 %, due to detoriation of net income.

Financial Statements
Citizens And Northern's Equity	$ 342 Millions	Annual CZNC's Balance sheet
Citizens And Northern's Annual Income	$ 23 Millions	Annual CZNC's Income Statement
Where are CZNC's Income coming from?		Visit CZNC's Income by Segment

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