Citizens & Northern Corp (CZNC) - Total Assets
Based on the latest financial reports, Citizens & Northern Corp (CZNC) holds total assets worth $3.13 Billion USD as of December 2025. Total assets represent everything the company owns and controls, combining both current assets—like cash and cash equivalents, accounts receivable, and inventories—and non-current assets such as property, plant, equipment (PP&E), intangible assets, and long-term investments. See shareholders equity of Citizens & Northern Corp for net asset value and shareholders' equity analysis.
Citizens & Northern Corp - Total Assets Trend (1994–2025)
This chart illustrates how Citizens & Northern Corp's total assets have evolved over time, based on quarterly financial data.
Citizens & Northern Corp - Asset Composition Analysis
Current Asset Composition (December 2025)
Citizens & Northern Corp's total assets of $3.13 Billion consist of 1.5% current assets and 98.5% non-current assets.
| Asset Category | Amount (USD) | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 1.5% |
| Accounts Receivable | $11.59 Million | 0.4% |
| Inventory | $0.00 | 0.0% |
| Property, Plant & Equipment | $0.00 | 0.0% |
| Intangible Assets | $11.57 Million | 0.4% |
| Goodwill | $63.31 Million | 2.0% |
Asset Composition Trend (1994–2025)
This chart illustrates how Citizens & Northern Corp's asset composition has evolved over time. Understanding changes in asset allocation can provide insights into the company's strategic shifts, capital allocation priorities, and business focus evolution. For live market cap, price, and company overview, see market value of Citizens & Northern Corp.
Key Asset Composition Facts
- Current vs. Non-Current Assets: Citizens & Northern Corp's current assets represent 1.5% of total assets in 2025, a decrease from 3.0% in 1994.
- Cash Position: Cash and equivalents constituted 1.5% of total assets in 2025, down from 2.3% in 1994.
- Tangible vs. Intangible: Intangible assets (including goodwill) make up 2.0% of total assets, an increase from 0.0% in 1994.
- Asset Diversification: The largest asset category is goodwill at 2.0% of total assets.
Citizens & Northern Corp Competitors by Total Assets
Key competitors of Citizens & Northern Corp based on total assets are shown below.
| Company | Country | Total Assets |
|---|---|---|
|
Bank of Ayudhya PCL
BK:BAY
|
Thailand | ฿2.59 Trillion |
|
First Merchants Corporation Depository Shares
NASDAQ:FRMEP
|
USA | $19.03 Billion |
|
Banco Santander (Brasil) S.A.
SA:SANB3
|
Brazil | R$1.26 Trillion |
|
Capitol Federal Financial Inc
NASDAQ:CFFN
|
USA | $9.78 Billion |
|
CB Financial Services Inc
NASDAQ:CBFV
|
USA | $1.55 Billion |
|
KB Financial Group Inc
F:KBIA
|
Germany | €796.06 Trillion |
|
Kraft Bank Asa
OL:KRAB
|
Norway | Nkr4.42 Billion |
|
Absa Group Ltd
JSE:ABG
|
South Africa | ZAC2.16 Trillion |
Citizens & Northern Corp - Liquidity and Working Capital Analysis
Liquidity ratios measure a company's ability to pay off its short-term debts as they come due, using the company's current or quick assets. Working capital represents the operational liquidity available.
Key Liquidity Metrics
| Metric | Current | 1 Year Ago | 5 Years Ago |
|---|---|---|---|
| Current Ratio | 0.21 | 0.17 | 0.30 |
| Quick Ratio | 0.21 | 0.17 | 0.29 |
| Cash Ratio | 0.00 | 0.00 | 0.00 |
| Working Capital | $-2.04 Billion | $-1.74 Billion | $-1.39 Billion |
Citizens & Northern Corp - Advanced Valuation Insights
This section examines the relationship between Citizens & Northern Corp's asset base and its market valuation, helping to identify whether the company's assets are efficiently translated into market value.
Key Valuation Metrics
| Current Price-to-Book Ratio | 1.22 |
| Latest Market Cap to Assets Ratio | 0.13 |
| Asset Growth Rate (YoY) | 20.0% |
| Total Assets | $3.13 Billion |
| Market Capitalization | $402.62 Million USD |
Valuation Analysis
Below Book Valuation: The market values Citizens & Northern Corp's assets below their book value (0.13x), which may indicate investor concerns about asset quality or future growth.
Rapid Asset Growth: Citizens & Northern Corp's assets grew by 20.0% over the past year, indicating significant expansion of the company's resource base.
Annual Total Assets for Citizens & Northern Corp (1994–2025)
The table below shows the annual total assets of Citizens & Northern Corp from 1994 to 2025.
| Year | Total Assets | Change |
|---|---|---|
| 2025-12-31 | $3.13 Billion | +19.99% |
| 2024-12-31 | $2.61 Billion | +3.78% |
| 2023-12-31 | $2.52 Billion | +2.50% |
| 2022-12-31 | $2.45 Billion | +5.44% |
| 2021-12-31 | $2.33 Billion | +3.95% |
| 2020-12-31 | $2.24 Billion | +35.36% |
| 2019-12-31 | $1.65 Billion | +28.14% |
| 2018-12-31 | $1.29 Billion | +1.09% |
| 2017-12-31 | $1.28 Billion | +2.79% |
| 2016-12-31 | $1.24 Billion | +1.54% |
| 2015-12-31 | $1.22 Billion | -1.49% |
| 2014-12-31 | $1.24 Billion | +0.34% |
| 2013-12-31 | $1.24 Billion | -3.82% |
| 2012-12-31 | $1.29 Billion | -2.78% |
| 2011-12-31 | $1.32 Billion | +0.54% |
| 2010-12-31 | $1.32 Billion | -0.39% |
| 2009-12-31 | $1.32 Billion | +3.13% |
| 2008-12-31 | $1.28 Billion | -0.16% |
| 2007-12-31 | $1.28 Billion | +13.87% |
| 2006-12-31 | $1.13 Billion | -3.06% |
| 2005-12-31 | $1.16 Billion | +3.56% |
| 2004-12-31 | $1.12 Billion | +5.26% |
| 2003-12-31 | $1.07 Billion | +4.72% |
| 2002-12-31 | $1.02 Billion | +17.51% |
| 2001-12-31 | $867.00 Million | +20.53% |
| 2000-12-31 | $719.34 Million | +1.90% |
| 1999-12-31 | $705.90 Million | +9.22% |
| 1998-12-31 | $646.30 Million | +5.03% |
| 1997-12-31 | $615.35 Million | +0.85% |
| 1996-12-31 | $610.19 Million | +4.13% |
| 1995-12-31 | $585.99 Million | +7.23% |
| 1994-12-31 | $546.48 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