CITIZENS & NORTHERN CORP
For the period ended Jun 30, 2026. Filed Aug 7, 2026.
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.
Jun 30, 2026 · Filed Aug 7, 2026
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) –June 30, 2026 and December 31, 2025 | Page 3 | |
| Consolidated Statements of Income (Unaudited) – Three-month and Six-month Periods Ended June 30, 2026 and 2025 | Page 4 | |
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| Consolidated Statements of Comprehensive Income (Unaudited) – Three-month and Six-month Periods Ended June 30, 2026 and 2025 | Page 5 | |
| Consolidated Statements of Cash Flows (Unaudited) – Six-month Periods Ended June 30, 2026 and 2025 | Page 6 | |
| Consolidated Statements of Changes in Stockholders’ Equity (Unaudited) – Three-month and Six-month Periods Ended June 30, 2026 and 2025 | Page 7 | |
| Notes to Unaudited Consolidated Financial Statements | Pages 8 –31 | |
| Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations | Pages 32 – 56 | |
| Item 3. Quantitative and Qualitative Disclosures About Market Risk | Pages 57 – 59 | |
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| Item 4. Controls and Procedures | Pages 59 – 59 | |
| Part II. Other Information | ||
| | | |
| Item 1. Legal Proceedings | Page 60 | |
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| Item 1A. Risk Factors | Page 60 | |
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| Item 2. Unregistered Sales of Equity Securities and Use of Proceeds | Page 60 | |
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| Item 3. Default upon Senior Securities | Page 61 | |
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| Item 4. Mine Safety Disclosures | Page 61 | |
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| Item 5. Other Information | Page 61 | |
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| Item 6. Exhibits | Page 62 | |
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| Signatures | Page 63 | |
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.