Citizens & Northern Corp (CZNC) — Net Asset Quality Index
Citizens & Northern Corp (CZNC) has a Net Asset Quality Index of 10.6% as of March 2026. This metric measures the proportion of total assets financed by shareholders' equity — total assets of $3.16 Billion minus total liabilities of $2.83 Billion yields net assets of $335.56 Million. A higher index indicates a stronger, lower-leverage balance sheet. See defensive interval ratio of Citizens & Northern Corp to measure how many days the company can operate on defensive assets alone.
Quality Index
Net Assets
Total Assets
Total Liabilities
Citizens & Northern Corp Net Asset Quality Index Over Time (1994–2025)
This chart shows how Citizens & Northern Corp's Net Asset Quality Index has evolved across 32 annual periods from 1994 to 2025. As of March 2026, the index stands at 10.6%, representing net assets of $335.56 Million against total assets of $3.16 Billion USD. Explore how efficiently does Citizens & Northern Corp generate cash to assess how effectively this company generates cash.
Annual Net Asset Quality Index for Citizens & Northern Corp (1994–2025)
The table below presents the year-by-year Net Asset Quality Index for Citizens & Northern Corp from 1994 to 2025, covering 32 annual filings. Each row shows total assets, total liabilities, net assets, the quality index percentage, and the change in percentage points compared to the prior year. For market capitalisation and the full company profile, see market cap of Citizens & Northern Corp.
| Year | Quality Index | Net Assets (USD) | Total Assets | Total Liabilities | Change (pp) |
|---|---|---|---|---|---|
| 2025 | 10.9% | $341.71 Million | $3.13 Billion | $2.79 Billion | ▲ +0.4 pp |
| 2024 | 10.5% | $275.28 Million | $2.61 Billion | $2.34 Billion | ▲ +0.1 pp |
| 2023 | 10.4% | $262.38 Million | $2.52 Billion | $2.25 Billion | ▲ +0.3 pp |
| 2022 | 10.2% | $249.32 Million | $2.45 Billion | $2.20 Billion | ▼ -2.8 pp |
| 2021 | 12.9% | $301.40 Million | $2.33 Billion | $2.03 Billion | ▼ -0.4 pp |
| 2020 | 13.4% | $299.76 Million | $2.24 Billion | $1.94 Billion | ▼ -1.4 pp |
| 2019 | 14.8% | $244.45 Million | $1.65 Billion | $1.41 Billion | ▼ -0.5 pp |
| 2018 | 15.3% | $197.37 Million | $1.29 Billion | $1.09 Billion | ▲ +0.5 pp |
| 2017 | 14.8% | $188.44 Million | $1.28 Billion | $1.09 Billion | ▼ -0.2 pp |
| 2016 | 15.0% | $186.01 Million | $1.24 Billion | $1.06 Billion | ▼ -0.4 pp |
| 2015 | 15.3% | $187.49 Million | $1.22 Billion | $1.04 Billion | ▲ +0.2 pp |
| 2014 | 15.2% | $188.36 Million | $1.24 Billion | $1.05 Billion | ▲ +0.7 pp |
| 2013 | 14.5% | $179.47 Million | $1.24 Billion | $1.06 Billion | ▲ +0.3 pp |
| 2012 | 14.2% | $182.79 Million | $1.29 Billion | $1.10 Billion | ▲ +1.6 pp |
| 2011 | 12.6% | $167.38 Million | $1.32 Billion | $1.16 Billion | ▲ +2.1 pp |
| 2010 | 10.6% | $138.94 Million | $1.32 Billion | $1.18 Billion | ▼ -1.0 pp |
| 2009 | 11.5% | $152.41 Million | $1.32 Billion | $1.17 Billion | ▲ +2.0 pp |
| 2008 | 9.5% | $122.03 Million | $1.28 Billion | $1.16 Billion | ▼ -1.2 pp |
| 2007 | 10.7% | $137.78 Million | $1.28 Billion | $1.15 Billion | ▼ -0.8 pp |
| 2006 | 11.5% | $129.89 Million | $1.13 Billion | $997.48 Million | ▲ +0.2 pp |
| 2005 | 11.3% | $131.97 Million | $1.16 Billion | $1.03 Billion | ▼ -0.4 pp |
| 2004 | 11.7% | $131.59 Million | $1.12 Billion | $991.42 Million | ▼ 0.0 pp |
| 2003 | 11.7% | $125.34 Million | $1.07 Billion | $941.56 Million | ▲ +0.4 pp |
| 2002 | 11.4% | $115.84 Million | $1.02 Billion | $902.93 Million | ▼ -0.2 pp |
| 2001 | 11.6% | $100.19 Million | $867.00 Million | $766.81 Million | ▼ -0.8 pp |
| 2000 | 12.4% | $88.97 Million | $719.34 Million | $630.37 Million | ▲ +1.5 pp |
| 1999 | 10.9% | $76.62 Million | $705.90 Million | $629.27 Million | ▼ -3.2 pp |
| 1998 | 14.0% | $90.60 Million | $646.30 Million | $555.70 Million | ▲ +0.1 pp |
| 1997 | 13.9% | $85.53 Million | $615.35 Million | $529.82 Million | ▲ +2.2 pp |
| 1996 | 11.7% | $71.59 Million | $610.19 Million | $538.60 Million | ▲ +0.3 pp |
| 1995 | 11.4% | $66.98 Million | $585.99 Million | $519.01 Million | ▲ +2.9 pp |
| 1994 | 8.6% | $46.80 Million | $546.48 Million | $499.68 Million | — |