Citizens & Northern Corp (CZNC) — Tangible Net Worth Ratio
Citizens & Northern Corp (CZNC) has a Tangible Net Worth Ratio of 23.0% as of March 2026. This metric is calculated by deducting intangible assets ($74.53 Million) from net assets ($96.84 Million) and expressing it as a percentage of total net assets. A higher ratio means that more of the company's equity is backed by tangible, balance-sheet-verifiable assets rather than goodwill, patents, or brand value. See Citizens & Northern Corp working capital to net assets to evaluate short-term liquidity relative to the company's equity base.
Tangible NW Ratio
Net Assets (Equity)
Intangible Assets
Total Assets
Citizens & Northern Corp Tangible Net Worth Ratio (1994–2025)
This chart shows how Citizens & Northern Corp's Tangible Net Worth Ratio has changed across 32 annual periods from 1994 to 2025. As of March 2026, the ratio stands at 23.0%, reflecting net assets of $96.84 Million with intangible assets of $74.53 Million USD. See CZNC defensive asset coverage days to measure how many days the company can operate on defensive assets alone.
Annual Tangible Net Worth Ratio for Citizens & Northern Corp (1994–2025)
The table below presents the year-by-year Tangible Net Worth Ratio for Citizens & Northern Corp from 1994 to 2025, covering 32 annual filings. Each row shows net assets, intangible assets, total assets, the tangible net worth ratio, and the change in percentage points versus the prior year. For the full company profile including market capitalisation, see market value of Citizens & Northern Corp.
| Year | Tangible NW Ratio | Net Assets (USD) | Intangible Assets | Total Assets | Change (pp) |
|---|---|---|---|---|---|
| 2025 | 96.6% | $341.71 Million | $11.57 Million | $3.13 Billion | ▼ -2.6 pp |
| 2024 | 99.2% | $275.28 Million | $2.08 Million | $2.61 Billion | ▲ +0.2 pp |
| 2023 | 99.1% | $262.38 Million | $2.47 Million | $2.52 Billion | ▲ +0.2 pp |
| 2022 | 98.8% | $249.32 Million | $2.88 Million | $2.45 Billion | ▼ -0.1 pp |
| 2021 | 98.9% | $301.40 Million | $3.32 Million | $2.33 Billion | ▲ +0.2 pp |
| 2020 | 98.7% | $299.76 Million | $3.85 Million | $2.24 Billion | ▼ -0.8 pp |
| 2019 | 99.5% | $244.45 Million | $1.25 Million | $1.65 Billion | ▼ -0.5 pp |
| 2018 | 100.0% | $197.37 Million | $9.00K | $1.29 Billion | ▲ +0.0 pp |
| 2017 | 100.0% | $188.44 Million | $12.00K | $1.28 Billion | ▲ +0.0 pp |
| 2016 | 100.0% | $186.01 Million | $17.00K | $1.24 Billion | ▲ +0.0 pp |
| 2015 | 100.0% | $187.49 Million | $30.00K | $1.22 Billion | ▲ +0.0 pp |
| 2014 | 100.0% | $188.36 Million | $52.00K | $1.24 Billion | ▲ +0.0 pp |
| 2013 | 100.0% | $179.47 Million | $87.00K | $1.24 Billion | ▲ +0.0 pp |
| 2012 | 99.9% | $182.79 Million | $138.00K | $1.29 Billion | ▲ +0.1 pp |
| 2011 | 99.9% | $167.38 Million | $212.00K | $1.32 Billion | ▲ +0.1 pp |
| 2010 | 99.8% | $138.94 Million | $326.00K | $1.32 Billion | ▲ +0.1 pp |
| 2009 | 99.7% | $152.41 Million | $502.00K | $1.32 Billion | ▲ +0.3 pp |
| 2008 | 99.3% | $122.03 Million | $826.00K | $1.28 Billion | ▲ +0.3 pp |
| 2007 | 99.0% | $137.78 Million | $1.38 Million | $1.28 Billion | ▼ -0.7 pp |
| 2006 | 99.7% | $129.89 Million | $336.00K | $1.13 Billion | ▲ +3.9 pp |
| 2005 | 95.8% | $131.97 Million | $5.50 Million | $1.16 Billion | ▼ -4.2 pp |
| 2004 | 100.0% | $131.59 Million | $0.00 | $1.12 Billion | ▲ +0.0 pp |
| 2003 | 100.0% | $125.34 Million | $0.00 | $1.07 Billion | ▲ +0.0 pp |
| 2002 | 100.0% | $115.84 Million | $0.00 | $1.02 Billion | ▲ +0.0 pp |
| 2001 | 100.0% | $100.19 Million | $0.00 | $867.00 Million | ▲ +0.0 pp |
| 2000 | 100.0% | $88.97 Million | $0.00 | $719.34 Million | ▲ +0.0 pp |
| 1999 | 100.0% | $76.62 Million | $0.00 | $705.90 Million | ▲ +0.0 pp |
| 1998 | 100.0% | $90.60 Million | $0.00 | $646.30 Million | ▲ +0.0 pp |
| 1997 | 100.0% | $85.53 Million | $0.00 | $615.35 Million | ▲ +0.0 pp |
| 1996 | 100.0% | $71.59 Million | $0.00 | $610.19 Million | ▲ +0.0 pp |
| 1995 | 100.0% | $66.98 Million | $0.00 | $585.99 Million | ▲ +0.0 pp |
| 1994 | 100.0% | $46.80 Million | $0.00 | $546.48 Million | — |