CITIZENS & NORTHERN CORP
For the period ended Dec 31, 2025. Filed Mar 6, 2026.
View on SEC.govAbout this filing
A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.
FY2025 · Filed Mar 6, 2026
CZNC$28.44+1.9%Stored close · as of Nov 9, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Table of Contents
| Page(s) | |
|---|---|
| Part I: | |
| Item 1. Business | 3-5 |
| Item 1A. Risk Factors | 5-9 |
| Item 1B. Unresolved Staff Comments | 9 |
| Item 1C. Cybersecurity | 10-11 |
| Item 2. Properties | 11 |
| Item 3. Legal Proceedings | 11 |
| Item 4. Mine Safety Disclosure | 12 |
| Part II. | |
| Item 5. Market for Registrant's Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities | 12-14 |
| Item 6. Reserved | 14 |
| Item 7. Management's Discussion and Analysis of Financial Condition and Results of Operations | 14-38 |
| Item 7A. Quantitative and Qualitative Disclosures About Market Risk | 39-41 |
| Item 8. Financial Statements and Supplementary Data | 42-98 |
| Item 9. Changes in and Disagreements with Accountants on Accounting and Financial Disclosure | 99 |
| Item 9A. Controls and Procedures | 99 |
| Item 9B. Other Information | 100 |
| Part III: | |
| Item 10. Directors, Executive Officers and Corporate Governance | 100 |
| Item 11. Executive Compensation | 100 |
| Item 12. Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters | 101 |
| Item 13. Certain Relationships and Related Transactions, and Director Independence | 101 |
| Item 14. Principal Accountant Fees and Services | 101 |
| Part IV: | |
| Item 15. Exhibits and Financial Statement Schedules | 101-101 |
| Signatures | 106 |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.