Citizens & Northern Corp - Asset Resilience Ratio
Citizens & Northern Corp (CZNC) has an Asset Resilience Ratio of 9.30% as of December 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. Read Citizens & Northern Corp total liabilities for a breakdown of total debt and financial obligations.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2000–2025)
This chart shows how Citizens & Northern Corp's Asset Resilience Ratio has changed over time. See Citizens & Northern Corp book value and equity for net asset value and shareholders' equity analysis.
Liquid Assets Composition Over Time
This chart breaks down Citizens & Northern Corp's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see Citizens & Northern Corp (CZNC) total market value.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $291.32 Million | 9.3% |
| Total Liquid Assets | $291.32 Million | 9.30% |
Asset Resilience Insights
- Limited Liquidity: Citizens & Northern Corp maintains only 9.30% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company has significant short-term investments, indicating active treasury management.
Citizens & Northern Corp Industry Peers by Asset Resilience Ratio
Compare Citizens & Northern Corp's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Bank of Ayudhya PCL
BK:BAY |
Banks - Regional | 4.13% |
|
First Merchants Corporation Depository Shares
NASDAQ:FRMEP |
Banks - Regional | 7.40% |
|
Banco Santander (Brasil) S.A.
SA:SANB3 |
Banks - Regional | 5.81% |
|
Capitol Federal Financial Inc
NASDAQ:CFFN |
Banks - Regional | 8.49% |
|
CB Financial Services Inc
NASDAQ:CBFV |
Banks - Regional | 17.58% |
|
KB Financial Group Inc
F:KBIA |
Banks - Regional | 12.09% |
|
Absa Group Ltd
JSE:ABG |
Banks - Regional | -3.45% |
|
International Bancshares Corporation
NASDAQ:IBOC |
Banks - Regional | 29.29% |
Annual Asset Resilience Ratio for Citizens & Northern Corp (2000–2025)
The table below shows the annual Asset Resilience Ratio data for Citizens & Northern Corp.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 9.30% | $291.32 Million | $3.13 Billion | +0.78pp |
| 2024-12-31 | 8.52% | $222.44 Million | $2.61 Billion | -8.01pp |
| 2023-12-31 | 16.53% | $415.75 Million | $2.52 Billion | -3.77pp |
| 2022-12-31 | 20.29% | $498.03 Million | $2.45 Billion | -1.95pp |
| 2021-12-31 | 22.24% | $517.68 Million | $2.33 Billion | +6.64pp |
| 2020-12-31 | 15.60% | $349.33 Million | $2.24 Billion | -5.36pp |
| 2019-12-31 | 20.96% | $346.72 Million | $1.65 Billion | -7.18pp |
| 2018-12-31 | 28.14% | $363.27 Million | $1.29 Billion | +0.27pp |
| 2017-12-31 | 27.87% | $355.94 Million | $1.28 Billion | -3.93pp |
| 2016-12-31 | 31.80% | $395.08 Million | $1.24 Billion | -2.55pp |
| 2015-12-31 | 34.35% | $420.29 Million | $1.22 Billion | -7.26pp |
| 2014-12-31 | 41.61% | $516.81 Million | $1.24 Billion | +2.62pp |
| 2013-12-31 | 39.00% | $482.66 Million | $1.24 Billion | +2.27pp |
| 2012-12-31 | 36.72% | $472.58 Million | $1.29 Billion | +0.33pp |
| 2011-12-31 | 36.39% | $481.69 Million | $1.32 Billion | +2.67pp |
| 2010-12-31 | 33.72% | $443.96 Million | $1.32 Billion | +3.74pp |
| 2009-12-31 | 29.98% | $396.29 Million | $1.32 Billion | -2.77pp |
| 2008-12-31 | 32.75% | $419.69 Million | $1.28 Billion | -0.96pp |
| 2007-12-31 | 33.71% | $432.75 Million | $1.28 Billion | +2.07pp |
| 2006-12-31 | 31.64% | $356.67 Million | $1.13 Billion | +31.16pp |
| 2005-12-31 | 0.47% | $5.52 Million | $1.16 Billion | +0.11pp |
| 2004-12-31 | 0.37% | $4.11 Million | $1.12 Billion | +0.25pp |
| 2003-12-31 | 0.12% | $1.23 Million | $1.07 Billion | +0.05pp |
| 2002-12-31 | 0.07% | $715.00K | $1.02 Billion | -0.16pp |
| 2001-12-31 | 0.23% | $1.98 Million | $867.00 Million | -0.08pp |
| 2000-12-31 | 0.30% | $2.19 Million | $719.34 Million | -- |
About Citizens & Northern Corp
Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides various banking and related services to individual and corporate customers. The company's deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, and individual retirement accounts, as well as certif… Read more