Citizens & Northern Corp
cnbankpa.comWhat Do They Do?
Provides deposit and loan products and wealth-management services to personal and commercial customers.
10-K for FY2025, filed Mar 6, 2026C&N Bank provides an extensive range of banking services, including deposit and loan products for personal and commercial customers. The…View ↗
How Do They Make Money?
Personal and commercial deposit customers pay monthly or transaction fees for account services, earned as those services are provided. The bank also earns fees when customers use debit cards, which are received in its settlement account.
10-K for FY2025, filed Mar 6, 2026Service charges on deposit accounts – Deposits are included as liabilities in the consolidated balance sheets. Service charges on deposit…View ↗
All deposit liabilities are considered to have one-day terms and therefore related fees are recognized in income at the time when the…View ↗
Interchange revenue from debit card transactions – The Corporation issues debit cards to consumer and business customers with checking…View ↗
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10-K for FY2025, filed Mar 6, 2026
FY2025 revenue by product or service ↗
$139.2M
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10-K for FY2025, filed Mar 6, 2026
$139.2M ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
Service charges on deposit accounts
|
53%
FY2022: 50%
|
Service charges on deposit accounts, FY2025
$6M Sources
|
|
|
Interchange revenue from debit card transactions
Usage-based
10-K for FY2025, filed Mar 6, 2026 |
41%
FY2022: 41%
|
Interchange revenue from debit card transactions, FY2025
$4.6M Sources
|
Usage-based |
|
Loan servicing fees, net
|
5.7%
FY2022: 9.5%
|
Loan servicing fees, net, FY2025
$643K Sources
|
Who Are Their Customers?
Personal and commercial customers use the bank for deposit and loan products; individuals, businesses and retirement funds use trust services. Insurance and investment products are offered through registered agents and a third-party broker-dealer.
10-K for FY2025, filed Mar 6, 2026C&N Bank provides an extensive range of banking services, including deposit and loan products for personal and commercial customers. The…View ↗
Trust revenue – C&N Bank’s trust department provides a wide range of financial services, including wealth management services for…View ↗
Brokerage and insurance revenue- Investment commissions are earned through the sales of non-deposit investment products to customers of the…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 17 cents of every revenue dollar as net income in FY2025 and turned 22 cents into free cash flow.
How Are They Changing?
10-Q for Q2 FY2026, filed Aug 7, 2026
Open tableView ↗
Growing. Revenue grew 65% in 4 years, from $84.5M in FY2021 to $139.2M in FY2025, about 13% a year.
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