Citizens & Northern Balance Sheet Health
Financial Health criteria checks 5/6
Citizens & Northern has total assets of $2.7B and total equity of $277.3M. Total deposits are $2.1B, and total loans are $1.9B earning a Net Interest Margin of 3.5%. It has insufficient allowance for bad loans, which are currently at 1.3% of total loans. Cash and short-term investments are $186.2M.
Key information
9.6x
Asset to equity ratio
3.5%
Net interest margin
| Total deposits | US$2.14b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 1.3% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | US$186.21m |
Recent financial health updates
No updates
Recent updates
Citizens & Northern (NASDAQ:CZNC) Will Pay A Dividend Of $0.28
Oct 24
Citizens & Northern (NASDAQ:CZNC) Has Affirmed Its Dividend Of $0.28
Jul 23Citizens & Northern (NASDAQ:CZNC) Will Pay A Dividend Of $0.28
May 01Citizens & Northern's (NASDAQ:CZNC) Dividend Will Be $0.28
Oct 26Citizens & Northern (NASDAQ:CZNC) Will Pay A Dividend Of $0.28
Jul 27Citizens & Northern (NASDAQ:CZNC) Has Affirmed Its Dividend Of $0.28
Apr 25Citizens & Northern (NASDAQ:CZNC) Is Paying Out A Dividend Of $0.28
Feb 01Citizens & Northern (NASDAQ:CZNC) Is Paying Out A Dividend Of $0.28
Oct 25Citizens & Northern Corporation goes ex-dividend tomorrow
Jul 28Citizens & Northern (NASDAQ:CZNC) Is Due To Pay A Dividend Of $0.28
Jul 28Citizens & Northern (NASDAQ:CZNC) Is Due To Pay A Dividend Of US$0.28
Apr 25Citizens & Northern: Avoid Until Better Execution
Feb 16Citizens & Northern Corporation: Bank With 4.3% Dividend And Growth Potential
Oct 15This Is Why Citizens & Northern Corporation's (NASDAQ:CZNC) CEO Compensation Looks Appropriate
Apr 17Broker Revenue Forecasts For Citizens & Northern Corporation (NASDAQ:CZNC) Are Surging Higher
Mar 30Is Citizens & Northern Corporation (NASDAQ:CZNC) A Smart Pick For Income Investors?
Mar 18Don't Race Out To Buy Citizens & Northern Corporation (NASDAQ:CZNC) Just Because It's Going Ex-Dividend
Jan 25
Would Shareholders Who Purchased Citizens & Northern's (NASDAQ:CZNC) Stock Year Be Happy With The Share price Today?
Jan 21How Much is Citizens & Northern's (NASDAQ:CZNC) CEO Getting Paid?
Nov 30Citizens & Northern: An Attractive 5.8% Dividend Backed By Income
Nov 19Citizens & Northern goes ex-dividend tomorrow
Oct 29Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: CZNC's Assets to Equity ratio (9.6x) is low.
Allowance for Bad Loans: CZNC has a low allowance for bad loans (84%).
Low Risk Liabilities: 89% of CZNC's liabilities are made up of primarily low risk sources of funding.
Loan Level: CZNC has an appropriate level of Loans to Assets ratio (70%).
Low Risk Deposits: CZNC's Loans to Deposits ratio (88%) is appropriate.
Level of Bad Loans: CZNC has an appropriate level of bad loans (1.3%).