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 CZNC working capital efficiency to evaluate short-term liquidity relative to the company's equity base.
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. For the complete balance sheet picture, see Citizens & Northern Corp total assets.
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. Explore investment intensity of Citizens & Northern Corp to see how much of total assets are deployed in long-term investments.
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 |
|---|---|---|
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Aktia Bank Abp
HE:AKTIA |
Banks - Regional | -7.45% |
|
VersaBank
TO:VBNK |
Banks - Regional | 1.95% |
|
Banco Alfa de Investimento S.A
SA:BRIV3 |
Banks - Regional | 0.53% |
|
RMB Holdings Ltd
JSE:RMH |
Banks - Regional | 27.52% |
|
Banco Bradesco DRC
BA:BBD |
Banks - Regional | 4.82% |
|
Grupo Financiero Galicia S.A.
BA:GGAL |
Banks - Regional | 8.18% |
|
Banco Macro SA B
BA:BMA |
Banks - Regional | 0.55% |
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