CITIZENS & NORTHERN CORP
For the period ended Sep 30, 2025. Filed Nov 7, 2025.
View on SEC.govAbout this filing
A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Sep 30, 2025 · Filed Nov 7, 2025
CZNC$28.44+1.9%Stored close · as of Nov 9, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
See the whole filing, with its images and exhibitsContents
Table of Contents
Index
| | | |
| Part I. Financial Information | ||
|---|---|---|
| Item 1. Financial Statements | ||
| Consolidated Balance Sheets (Unaudited) –September 30, 2025 and December 31, 2024 | Page 3 | |
| Consolidated Statements of Income (Unaudited) – Three-month and Nine-month Periods Ended September 30, 2025 and 2024 | Page 4 | |
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| Consolidated Statements of Comprehensive Income (Unaudited) – Three-month and Nine-month Periods Ended September 30, 2025 and 2024 | Page 5 | |
| Consolidated Statements of Cash Flows (Unaudited) – Nine-month Periods Ended September 30, 2025 and 2024 | Page 6 | |
| Consolidated Statements of Changes in Stockholders’ Equity (Unaudited) – Three-month and Nine-month Periods Ended September 30, 2025 and 2024 | Page 7 | |
| Notes to Unaudited Consolidated Financial Statements | Pages 8 –33 | |
| Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations | Pages 34 – 57 | |
| Item 3. Quantitative and Qualitative Disclosures About Market Risk | Pages 58 – 60 | |
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| Item 4. Controls and Procedures | Page 60 | |
| Part II. Other Information | ||
| | | |
| Item 1. Legal Proceedings | Page 61 | |
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| Item 1A. Risk Factors | Page 61 | |
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| Item 2. Unregistered Sales of Equity Securities and Use of Proceeds | Page 61– 62 | |
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| Item 3. Default upon Senior Securities | Page 62 | |
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| Item 4. Mine Safety Disclosures | Page 62 | |
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| Item 5. Other Information | Page 62 | |
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| Item 6. Exhibits | Page 62– 63 | |
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| Signatures | Page 64 | |
ITEM 1. FINANCIAL STATEMENTS
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.