Citizens And Northern Quick Ratio (CZNC) starting from the second quarter 2026 to second quarter 2025, Financial Strength Trends, Rankings, Financial Ratios - CSIMarket
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• Quick Ratio
• Working Capital
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• Debt to Equity
• Leverage Ratio
• Tangible Leverage
• Interest Coverage
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• Work. Cap. Per Revenue
Citizens and Northern Corporation  (NASDAQ: CZNC)
    Sector • Financial    Industry • Regional Banks
   Industry • Regional Banks
   Sector • Financial

Citizens And Northern's Quick Ratio

CZNC's quarterly Quick Ratio and Cash & cash equivalent, Current Liabilities growth


Citizens And Northern's Cash & cash equivalent grew by 810.2 % in the Q2 2026 sequentially, faster than Current Liabilities, this led to improvement in Citizens And Northern's Quick Ratio to 19.11, Quick Ratio remained below Citizens and Northern Corporation average.

Within Regional Banks industry 29 other companies have achieved higher Quick Ratio than Citizens And Northern in second quarter 2026. While Quick Ratio total ranking has improved so far during the Q2 2026 to 240, from total ranking in the first quarter 2026 at 4262.

Explain Quick Ratio?
How much Cash & cash equivalents CZNC´s has?
What are CZNC´s Current Liabilities?



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CZNC Quick Ratio (Jun 30 2026)
Q2		 (Mar 31 2026)
Q1		 (Dec 31 2025)
Q4		 (Sep 30 2025)
Q3		 (Jun 30 2025)
Q2
Y / Y Current Liabilities Change 2647.28 % 2280.04 % 1050.24 % -86.97 % -96.84 %
Y / Y Cash & cash equivalent Change 962.91 % -15.06 % -21.55 % 6.7 % -0.83 %
Quick Ratio MRQ 19.11 2.26 1.9 18.42 49.38
CZNC's Total Ranking # 240 # 4262 # 2738 # 2220 # 3470
Seq. Current Liabilities Change 7.75 % -52.51 % 1821.96 % 179.36 % -6.65 %
Seq. Cash & cash equivalent Change 810.2 % -43.37 % 97.86 % 4.22 % -27.26 %



Quick Ratio second quarter 2026 Company Ranking
Within: No.
Regional Banks Industry # 30
Financial Sector # 108
Overall Market # 240


Quick Ratio Statistics
High Average Low
233.52 47.06 0.25
(Sep 30 2021)   (Mar 31 2023)




Financial Statements
Citizens And Northern's Current Liabilities $ 15 Millions Visit CZNC's Balance sheet
Citizens And Northern's Cash & cash equivalent $ 280 Millions Visit CZNC's Balance sheet
Source of CZNC's Sales Visit CZNC's Sales by Geography


Cumulative Citizens And Northern's Quick Ratio

CZNC's Quick Ratio for the trailling 12 Months

CZNC Quick Ratio

 (Jun 30 2026)
12 Months		 (Mar 31 2026)
12 Months		 (Dec 31 2025)
12 Months		 (Sep 30 2025)
12 Months		 (Jun 30 2025)
12 Months
Y / Y Current Liabilities TTM Growth 288.47 % 41.04 % -60.8 % -95.42 % -87.77 %
Y / Y Cash & cash equivalent TTM Growth 149.19 % -11.96 % 3.37 % 9.66 % 8.42 %
Quick Ratio TTM 6.72 3.14 4.62 31.32 10.48
Total Ranking TTM # 4130 # 4141 # 0 # 0 # 0
Seq. Current Liabilities TTM Growth 31.9 % 41.71 % 514.27 % -66.17 % -52.11 %
Seq. Cash & cash equivalent TTM Growth 182.65 % -3.78 % -9.37 % 1.09 % -0.14 %

Quick ratio ranking by company, industry and sector >> Back to CZNC Financial Strength Comparisons >> Go to Compare CZNC Quick Ratio to its Competitors

On the trailing twelve months basis CZNC Cash & cash equivalent more than doubled by 962.91 % in Q2 2026 year on year, faster than Current Liabilities, this led to increase in in Citizens And Northern's Quick Ratio to 6.72, above CZNC average Quick Ratio.
Quick Ratio is the average cumulative value over the last four quarters.

Among companies operating within Regional Banks industry 104 other companies have achieved higher Quick Ratio than Citizens And Northern. While Quick Ratio overall ranking has improved so far to 4130, from total ranking during the twelve months ending first quarter 2026 at 4141.

Explain Quick Ratio?
How much Cash & cash equivalents CZNC´s has?
What are CZNC´s Current Liabilities?

TTM Quick Ratio Company Ranking
Within: No.
Within the Regional Banks Industry # 105
Financial Sector # 631
Within the Market # 4130


trailing twelve months Quick Ratio Statistics
High Average Low
0.06 0.04 0.01
(Sep 30 2014)   (Jun 30 2019)




Companies with similar Quick Ratio in the quarter ending Jun 30 2026, within Regional Banks Industry Quick RatioJun 30 2026 MRQ Cash & cash equivalentJun 30 2026 MRQ Current Liabilities
Five Star Bancorp  49.82 $ 923.236  Millions$ 18.532  Millions
West Bancorporation Inc   47.84 $ 1,420.226  Millions$ 29.685  Millions
Peoples Bancorp Of North Carolina Inc   46.98 $ 827.942  Millions$ 17.622  Millions
Third Coast Bancshares Inc   40.44 $ 410.897  Millions$ 10.161  Millions
Metrocity Bankshares inc   38.43 $ 289.671  Millions$ 7.537  Millions
Op Bancorp  37.34 $ 595.521  Millions$ 15.949  Millions
Citizens Financial Group Inc  34.32 $ 39,774.000  Millions$ 1,159.000  Millions
Parke Bancorp Inc   33.07 $ 219.017  Millions$ 6.623  Millions
Sb Financial Group Inc  33.03 $ 526.322  Millions$ 15.934  Millions
Horizon Bancorp Inc   31.44 $ 601.057  Millions$ 19.117  Millions
Coastal Financial Corporation  29.97 $ 1,053.782  Millions$ 35.158  Millions
Northern Trust Corporation  29.78 $ 68,897.000  Millions$ 2,313.400  Millions
Fvcbankcorp Inc   27.37 $ 423.846  Millions$ 15.483  Millions
Enterprise Financial Services Corp  27.02 $ 4,645.904  Millions$ 171.963  Millions
Renasant Corp  26.20 $ 8,551.710  Millions$ 326.418  Millions
Home Bancorp Inc   23.89 $ 622.834  Millions$ 26.069  Millions
Home Bancshares Inc   23.10 $ 3,672.519  Millions$ 158.994  Millions
Midland States Bancorp Inc   22.59 $ 1,952.207  Millions$ 86.401  Millions
Hoyne Bancorp, Inc.  20.46 $ 65.196  Millions$ 3.187  Millions
Mechanics Bancorp  19.24 $ 4,673.130  Millions$ 242.877  Millions
Citizens and Northern Corporation  19.11 $ 279.759  Millions$ 14.643  Millions
Ewsb Bancorp inc  18.49 $ 21.724  Millions$ 1.175  Millions
International Bancshares Corporation  17.77 $ 10,872.957  Millions$ 611.926  Millions
Orange County Bancorp inc   17.76 $ 496.451  Millions$ 27.949  Millions
Texas Community Bancshares inc   16.59 $ 50.485  Millions$ 3.043  Millions
Bayfirst Financial Corp   16.36 $ 172.334  Millions$ 10.536  Millions
Avidia Bancorp, Inc.  16.11 $ 807.728  Millions$ 50.144  Millions
Eagle Bancorp Inc   15.22 $ 1,521.625  Millions$ 100.000  Millions
German American Bancorp Inc   14.85 $ 944.882  Millions$ 63.638  Millions
Fb Financial Corporation  14.56 $ 2,040.066  Millions$ 140.142  Millions

Date modified: 2026-09-05T07:02:12+00:00



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