Citizens & Northern Corp (CZNC) — Working Capital to Net Assets Ratio
Citizens & Northern Corp (CZNC) has a Working Capital to Net Assets ratio of 166.3% as of June 2026. Working capital of $575.66 Million (current assets of $590.31 Million minus current liabilities of $14.64 Million) is measured against net assets of $346.14 Million. A higher ratio indicates strong short-term liquidity financed by the equity base. See Citizens & Northern Corp (CZNC) defensive interval to measure how many days the company can operate on defensive assets alone.
WC/NA Ratio
Working Capital
Current Assets
Current Liabilities
Citizens & Northern Corp Working Capital to Net Assets (1994–2025)
This chart shows how Citizens & Northern Corp's Working Capital to Net Assets ratio has evolved across 32 annual periods from 1994 to 2025. As of June 2026, the ratio stands at 166.3%, reflecting working capital of $575.66 Million against net assets of $346.14 Million USD. For the complete balance sheet picture, see Citizens & Northern Corp assets under control.
Annual Working Capital to Net Assets for Citizens & Northern Corp (1994–2025)
The table below presents the year-by-year Working Capital to Net Assets ratio for Citizens & Northern Corp from 1994 to 2025, covering 32 annual filings. Each row shows current assets, current liabilities, working capital, net assets, the ratio, and the change in percentage points compared to the prior year. Check Citizens & Northern Corp (CZNC) asset resilience to evaluate the company's liquid asset resilience ratio.
| Year | WC/NA Ratio | Working Capital (USD) | Net Assets | Current Assets | Current Liabilities | Change (pp) |
|---|---|---|---|---|---|---|
| 2025 | 1.3% | $4.59 Million | $341.71 Million | $46.24 Million | $41.66 Million | ▲ +633.1 pp |
| 2024 | -631.7% | $-1.74 Billion | $275.28 Million | $357.34 Million | $2.10 Billion | ▼ -34.5 pp |
| 2023 | -597.2% | $-1.57 Billion | $262.38 Million | $481.77 Million | $2.05 Billion | ▲ +36.8 pp |
| 2022 | -634.0% | $-1.58 Billion | $249.32 Million | $561.73 Million | $2.14 Billion | ▼ -195.8 pp |
| 2021 | -438.2% | $-1.32 Billion | $301.40 Million | $629.86 Million | $1.95 Billion | ▲ +31.8 pp |
| 2020 | -469.9% | $-1.41 Billion | $299.76 Million | $459.48 Million | $1.87 Billion | ▼ -75.5 pp |
| 2019 | -394.4% | $-964.14 Million | $244.45 Million | $386.93 Million | $1.35 Billion | ▼ -63.6 pp |
| 2018 | -330.8% | $-652.88 Million | $197.37 Million | $404.73 Million | $1.06 Billion | ▲ +29.6 pp |
| 2017 | -360.4% | $-679.10 Million | $188.44 Million | $400.23 Million | $1.08 Billion | ▼ -30.5 pp |
| 2016 | -329.9% | $-613.68 Million | $186.01 Million | $431.15 Million | $1.04 Billion | ▼ -29.1 pp |
| 2015 | -300.8% | $-564.04 Million | $187.49 Million | $460.12 Million | $1.02 Billion | ▼ -667.9 pp |
| 2014 | 367.0% | $691.37 Million | $188.36 Million | $696.91 Million | $5.54 Million | ▲ +653.7 pp |
| 2013 | -286.7% | $-514.46 Million | $179.47 Million | $531.42 Million | $1.05 Billion | ▼ -712.3 pp |
| 2012 | 425.6% | $777.98 Million | $182.79 Million | $783.54 Million | $5.57 Million | ▲ +773.1 pp |
| 2011 | -347.5% | $-581.71 Million | $167.38 Million | $547.06 Million | $1.13 Billion | ▲ +356.3 pp |
| 2010 | -703.8% | $-977.89 Million | $138.94 Million | $51.26 Million | $1.03 Billion | ▼ -129.5 pp |
| 2009 | -574.3% | $-875.30 Million | $152.41 Million | $97.68 Million | $972.97 Million | ▲ +162.1 pp |
| 2008 | -736.4% | $-898.60 Million | $122.03 Million | $29.87 Million | $928.47 Million | ▼ -121.7 pp |
| 2007 | -614.7% | $-847.00 Million | $137.78 Million | $37.38 Million | $884.38 Million | ▼ -5.9 pp |
| 2006 | -608.9% | $-790.85 Million | $129.89 Million | $32.20 Million | $823.05 Million | ▼ -29.3 pp |
| 2005 | -579.6% | $-764.86 Million | $131.97 Million | $31.95 Million | $796.81 Million | ▼ -51.6 pp |
| 2004 | -527.9% | $-694.68 Million | $131.59 Million | $24.05 Million | $718.73 Million | ▲ +17.6 pp |
| 2003 | -545.5% | $-683.80 Million | $125.34 Million | $20.80 Million | $704.61 Million | ▲ +34.8 pp |
| 2002 | -580.4% | $-672.27 Million | $115.84 Million | $20.86 Million | $693.13 Million | ▲ +37.3 pp |
| 2001 | -617.7% | $-618.86 Million | $100.19 Million | $20.91 Million | $639.76 Million | ▲ +67.5 pp |
| 2000 | -685.2% | $-609.63 Million | $88.97 Million | $18.78 Million | $628.41 Million | ▲ +58.5 pp |
| 1999 | -743.8% | $-569.88 Million | $76.62 Million | $23.13 Million | $593.01 Million | ▼ -220.2 pp |
| 1998 | -523.6% | $-474.36 Million | $90.60 Million | $20.20 Million | $494.56 Million | ▼ -28.8 pp |
| 1997 | -494.8% | $-423.19 Million | $85.53 Million | $19.06 Million | $442.26 Million | ▲ +79.2 pp |
| 1996 | -574.0% | $-410.93 Million | $71.59 Million | $19.38 Million | $430.31 Million | ▲ +41.0 pp |
| 1995 | -615.0% | $-411.90 Million | $66.98 Million | $17.65 Million | $429.55 Million | ▲ +203.4 pp |
| 1994 | -818.4% | $-383.00 Million | $46.80 Million | $16.27 Million | $399.26 Million | — |