Citizens & Northern Corp Asset Resilience Ratio
Citizens & Northern Corp asset resilience ratio. Citizens & Northern Corp (CZNC) has an Asset Resilience Ratio of 15.76% as of June 2026. 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. See Citizens & Northern Corp defensive liquidity buffer to measure how many days the company can operate on defensive assets alone.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio of Citizens & Northern Corp (2000–2025)
Asset resilience ratio of Citizens & Northern Corp from 2000 to 2025. This chart shows how Citizens & Northern Corp's Asset Resilience Ratio has changed over time. Read how much debt does Citizens & Northern Corp carry for a breakdown of total debt and financial obligations.
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 the complete balance sheet picture, see total assets of Citizens & Northern Corp.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $496.83 Million | 15.76% |
| Total Liquid Assets | $496.83 Million | 15.76% |
Asset Resilience Insights
- Good Liquidity Position: Citizens & Northern Corp maintains a healthy 15.76% of assets in liquid form.
- This level provides good financial flexibility while maintaining productive asset deployment.
- 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 |
|---|---|---|
|
Societe Generale S.A.
PA:GLE |
Banks - Regional | 11.25% |
|
CIMB Group Holdings Bhd
KLSE:1023 |
Banks - Regional | 1.96% |
|
WOORI FIN. GRP SP.ADR/3
F:2WGA |
Banks - Regional | 13.88% |
|
Bank of Queensland Ltd
AU:BOQ |
Banks - Regional | 0.21% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Graubuendner Kantonalbank
SW:GRKP |
Banks - Regional | -38.39% |
|
Jeju Bank
KO:006220 |
Banks - Regional | 2.45% |
|
Bank Multiarta Sentosa PT
JK:MASB |
Banks - Regional | 1.29% |
Citizens & Northern Corp Asset Resilience Ratio by Year (2000–2025)
Citizens & Northern Corp asset resilience ratio by year from 2000 to 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