Citizens And Northern's ROA from the second quarter of 2026 to the second quarter of 2025 and 5 Year Period

Return on Assets, Quarterly Results, Trends, Rankings, Statistics

What is Citizens And Northern's ROA in the second quarter of 2026?
Citizens and Northern Corporation achieved a return on average assets (ROA) of 0.83 % in its second quarter of 2026, which is below Citizens And Northern's average return on assets, which stands at 1.25%.

ROA has improved compared to 0.6% in the first quarter of 2026, due to net income growth.

However, within the Financial sector 639 other companies had a higher return on assets. While Return on assets, overall ranking has advanced in the Jun 30 2026 quarter, so far to 2383, from total ROA ranking in the first quarter of 2026 at 2622.

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Return on Assets ROA▼

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Return On Assets	(Jun 30 2026) II. Quarter	(Mar 31 2026) I. Quarter	(Dec 31 2025) IV. Quarter	(Sep 30 2025) III. Quarter	(Jun 30 2025) II. Quarter
Y / Y Total Assets Change	20.73 %	21.27 %	1441.89 %	1541.6 %	1502.44 %
Y / Y Net Income Change	129.8 %	-95.66 %	-45.36 %	2.92 %	0.07 %
Net Income (TTM) in million	25	17	23	27	27
Return On Assets (TTM)	0.83 %	0.6 %	0.85 %	1.34 %	1.93 %
CZNC's Total Ranking	# 2383	# 2622	# 2179	# 2163	# 2160
Total Assets (TTM) in million	3,152	3,164	3,164	2,664	2,611
Seq. Total Assets Change	-0.39 %	-0 %	18.78 %	2.04 %	0.06 %
Seq. Net Income Change	5049.08 %	-93.89 %	-31.83 %	7.09 %	-2.8 %

CZNC's 5 Years Annual ROA >> Back to CZNC Management Effectiveness >> Compare CZNC ROA to its Competitors

Return On Assets Company Ranking
Within:	No.
Industry	# 143
Sector	# 640
Overall	# 2293

Return On Assets Statistics
High	Average	Low
1.77 %	1.25 %	0.6 %
(Jun 30 2012)		(Mar 31 2026)

Financial Statements
Citizens And Northern's Assets	$ 3,152 million	CZNC's Balance sheet
Citizens And Northern's Income	$ 14 million	Quarterly CZNC's Income Statement
CZNC's Income by Division		See CZNC's Income by Division

Annual Return On Assets	(Dec 31 2025) FY 2025	(Dec 31 2024) FY 2024	(Dec 31 2023) FY 2023	(Dec 31 2022) FY 2022	(Dec 31 2021) FY 2021
Y / Y Total Assets Change	25.86 %	-10.07 %	22.28 %	-93.57 %	4 %
Total Assets in million	198	157	175	143	2,223
Y / Y Net Income Change	-9.75 %	7.5 %	-9.28 %	-12.88 %	58.95 %
Net Income in million	23	26	24	27	31
Annual Return On Assets	11.84 %	16.52 %	13.82 %	18.63 %	1.37 %

CZNC's 5 Years Annual ROA >> Back to CZNC Management Effectiveness >> Compare CZNC ROA to its Competitors

Comment on CZNC's ROA in the fiscal year ending 2025

In the fiscal year 2025 Citizens And Northern's ROA decreased compared to previous year to 11.84 %, due to deterioration of net income -9.75 % to $23.43 million, from $25.96 million a year ago, as CZNC's assets were $197.81 million.

More Return On Assets Ratios
CZNC's' Return on Assets at Yahoo Finance
Regional Banks Industry Return On Assets Trends and Statistics
Financial Sector Roa Statistics
Roa Trends for overall market
CZNC's Roa Ratio versus Regional Banks Industry, Financial Sector and overall Market
Highest Ranking Return On Assets
Lowest Ranking Return On Assets
Subscribers only: Roa for CZNC's Competitors
Subscribers only: Roa for Citizens And Northern's Suppliers
Subscribers only: Return On Assets for CZNC's Customers

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CZNC's Roe	CZNC's Valuation Ratios	CZNC's Financial Strength Ratios	CZNC's Dividend Payout Ratio

Companies with similar Return On Assets at Jun 30 2026, within Financial Sector	ROA
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Cme Group Inc	2.19 %
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Nexpoint Real Estate Finance Inc	2.17 %
Saul Centers Inc	2.12 %
Dynex Capital Inc	2.11 %
Orchid Island Capital Inc	2.10 %
Rf Acquisition Corp Ii	2.08 %
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Home Bancshares Inc	2.05 %
Horizon Kinetics Holding Corporation	2.05 %
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Date modified: 2026-09-05T07:02:12+00:00

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