Citizens And Northern (CZNC) Return on Assets ROA from the third quarter of 2026 to third quarter of 2025 and for the year 2026, Average High and Low, Fundamental Ratios from Sep 30 2026 to Sep 30 2025 - CSIMarket
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Citizens and Northern Corporation  (NASDAQ: CZNC)
    Sector • Financial    Industry • Regional Banks
   Industry • Regional Banks
   Sector • Financial


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

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


What is Citizens And Northern's ROA in the third quarter of 2026?
Citizens and Northern Corporation achieved a return on average assets (ROA) of 1.11 % in its third quarter of 2026, which is below Citizens And Northern's average return on assets, which stands at 1.25%.

ROA has improved compared to 0.83% in the second quarter of 2026, due to net income growth.

However, within the Financial sector 640 other companies had a higher return on assets. While Return on assets, overall ranking has advanced in the Sep 30 2026 quarter, so far to 2391, from total ROA ranking in the second quarter of 2026 at 2629.

What is ROA?


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Return On Assets (Sep 30 2026)
III. Quarter		 (Jun 30 2026)
II. Quarter		 (Mar 31 2026)
I. Quarter		 (Dec 31 2025)
IV. Quarter		 (Sep 30 2025)
III. Quarter
Y / Y Total Assets Change 18.25 % 20.73 % 21.27 % 1441.89 % 1541.6 %
Y / Y Net Income Change 148.59 % 129.8 % -95.66 % -45.36 % 2.92 %
Net Income (TTM) in million 35 25 17 23 27
Return On Assets (TTM) 1.11 % 0.83 % 0.6 % 0.85 % 1.34 %
CZNC's Total Ranking # 2391 # 2629 # 2188 # 2170 # 2168
Total Assets (TTM) in million 3,150 3,152 3,164 3,164 2,664
Seq. Total Assets Change -0.06 % -0.39 % -0 % 18.78 % 2.04 %
Seq. Net Income Change 15.85 % 5049.08 % -93.89 % -31.83 % 7.09 %

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 # 144
Sector # 641
Overall # 2296

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 $ 3,150 million CZNC's Balance sheet
Citizens And Northern's Income $ 16 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

You may also want to know
CZNC's Roi CZNC's Inventory Turnover Ratio CZNC's Growth Rates CZNC's Dividend Comparisons
CZNC's Profitability Ratios CZNC's Asset Turnover Ratio CZNC's Dividend Growth
CZNC's Roe CZNC's Valuation Ratios CZNC's Financial Strength Ratios CZNC's Dividend Payout Ratio



Companies with similar Return On Assets at Sep 30 2026, within Financial Sector ROA
American Financial Group Inc   3.05 %
Everest Group Ltd   3.03 %
Atlanticus Holdings Corp  2.95 %
Cedar Realty Trust Inc   2.84 %
Axis Capital Holdings Limited  2.83 %
Donegal Group Inc   2.83 %
Hagerty Inc   2.81 %
Weyerhaeuser Company  2.75 %
Postal Realty Trust Inc   2.74 %
Synchrony Financial  2.71 %
Markel Group Inc   2.60 %
Broadstone Net Lease Inc   2.53 %
Intercontinental Exchange Inc   2.52 %
Blue Owl Capital Inc   2.52 %
Welltower Inc   2.51 %
International Bancshares Corporation  2.48 %
Bread Financial Holdings Inc   2.36 %
Alignment Healthcare Inc   2.36 %
Agree Realty Corporation  2.33 %
Virtus Investment Partners Inc   2.33 %
Humana Inc  2.31 %
Bowhead Specialty Holdings Inc   2.31 %
Cme Group Inc   2.24 %
Regional Management Corp   2.23 %
Iron Mountain Inc  2.20 %
Ameriprise Financial Inc   2.18 %
Slm Corp  2.17 %
Oppenheimer Holdings Inc   2.17 %
Rocket Companies Inc   2.16 %
Community Healthcare Trust inc  2.16 %

Date modified: 2026-11-07T13:15:02+00:00


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