Citizens & Northern Corp (CZNC) — Defensive Interval Ratio
Citizens & Northern Corp (CZNC) has a Defensive Interval Ratio of 12657 days as of June 2026. Defensive assets of $507.77 Million (cash $-, short-term investments $496.83 Million, receivables $10.94 Million) cover 12657 days of daily cash needs of $40.12K/day.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Citizens & Northern Corp Defensive Interval Ratio (1994–2025)
This chart shows how Citizens & Northern Corp's Defensive Interval Ratio has evolved across 32 annual periods from 1994 to 2025. As of June 2026, the ratio stands at 12657 days, meaning defensive assets of $507.77 Million can fund 12657 days of operations without new revenue. For the complete balance sheet picture, see CZNC total assets.
Annual Defensive Interval Ratio for Citizens & Northern Corp (1994–2025)
The table below presents the year-by-year Defensive Interval Ratio for Citizens & Northern Corp from 1994 to 2025, covering 32 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. See Citizens & Northern Corp short-term liquidity ratio to evaluate short-term liquidity relative to the company's equity base.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 2654 days | $302.92 Million | $114.13K/day | $- | $291.32 Million | ▲ +2614 days |
| 2024 | 40 days | $231.17 Million | $5.74 Million/day | $- | $222.44 Million | ▼ -35 days |
| 2023 | 76 days | $424.89 Million | $5.61 Million/day | $- | $415.75 Million | ▼ -11 days |
| 2022 | 86 days | $506.69 Million | $5.87 Million/day | $- | $498.03 Million | ▼ -12 days |
| 2021 | 98 days | $524.91 Million | $5.34 Million/day | $- | $517.68 Million | ▲ +28 days |
| 2020 | 70 days | $357.62 Million | $5.12 Million/day | $- | $349.33 Million | ▼ -25 days |
| 2019 | 95 days | $351.72 Million | $3.70 Million/day | $- | $346.72 Million | ▼ -32 days |
| 2018 | 127 days | $367.24 Million | $2.90 Million/day | $- | $363.27 Million | ▲ +5 days |
| 2017 | 122 days | $359.99 Million | $2.96 Million/day | $- | $355.94 Million | ▼ -18 days |
| 2016 | 139 days | $399.04 Million | $2.86 Million/day | $- | $395.08 Million | ▼ -12 days |
| 2015 | 151 days | $424.06 Million | $2.81 Million/day | $- | $420.29 Million | ▼ -34174 days |
| 2014 | 34326 days | $520.72 Million | $15.17K/day | $- | $516.81 Million | ▲ +34156 days |
| 2013 | 170 days | $486.80 Million | $2.87 Million/day | $- | $482.66 Million | ▼ -31095 days |
| 2012 | 31265 days | $476.86 Million | $15.25K/day | $- | $472.58 Million | ▲ +31108 days |
| 2011 | 157 days | $486.48 Million | $3.09 Million/day | $- | $481.69 Million | ▼ -2 days |
| 2010 | 159 days | $448.92 Million | $2.82 Million/day | $- | $443.96 Million | ▲ +8 days |
| 2009 | 151 days | $401.90 Million | $2.67 Million/day | $- | $396.29 Million | ▼ -17 days |
| 2008 | 167 days | $425.53 Million | $2.54 Million/day | $- | $419.69 Million | ▼ -14 days |
| 2007 | 181 days | $438.47 Million | $2.42 Million/day | $- | $432.75 Million | ▲ +21 days |
| 2006 | 160 days | $361.71 Million | $2.25 Million/day | $- | $356.67 Million | ▲ +155 days |
| 2005 | 5 days | $11.02 Million | $2.18 Million/day | $- | $5.52 Million | ▲ +0 days |
| 2004 | 5 days | $9.20 Million | $1.97 Million/day | $- | $4.11 Million | ▲ +1 days |
| 2003 | 4 days | $6.87 Million | $1.93 Million/day | $- | $1.23 Million | ▲ +0 days |
| 2002 | 4 days | $6.67 Million | $1.90 Million/day | $- | $715.00K | ▼ 0 days |
| 2001 | 4 days | $6.85 Million | $1.75 Million/day | $- | $1.98 Million | ▼ 0 days |
| 2000 | 4 days | $7.14 Million | $1.72 Million/day | $- | $2.19 Million | ▲ +1 days |
| 1999 | 3 days | $5.07 Million | $1.62 Million/day | $- | $- | ▲ +0 days |
| 1998 | 3 days | $4.10 Million | $1.35 Million/day | $- | $- | ▼ -1 days |
| 1997 | 4 days | $4.81 Million | $1.21 Million/day | $- | $- | ▲ +0 days |
| 1996 | 4 days | $4.40 Million | $1.18 Million/day | $- | $- | ▲ +0 days |
| 1995 | 3 days | $4.06 Million | $1.18 Million/day | $- | $- | ▼ 0 days |
| 1994 | 4 days | $3.86 Million | $1.09 Million/day | $- | $- | — |