Earnings summaries and quarterly performance for CITIZENS & NORTHERN.
Executive leadership at CITIZENS & NORTHERN.
J. Bradley Scovill
President and Chief Executive Officer
Alexander Balagour
Executive Vice President and Chief Information Officer
Blair T. Rush
Executive Vice President and Southeast Region President
Glenn R. James
Executive Vice President, General Counsel and Corporate Secretary
Harold F. Hoose, III
Executive Vice President and Chief Revenue Officer
John M. Reber
Executive Vice President and Chief Risk Management Officer
Kelley A. Cwiklinski
Executive Vice President and Chief Commercial Lending Officer
Mark A. Hughes
Executive Vice President and Chief Financial Officer; Treasurer
Matthew L. Bower
Executive Vice President and Chief Wealth Management Officer
Stan R. Dunsmore
Executive Vice President and Chief Credit Officer
Thomas L. Rudy, Jr.
Executive Vice President, Chief Delivery Officer and Region President
Tracy E. Watkins
Executive Vice President and Chief Human Resources Officer
Board of directors at CITIZENS & NORTHERN.
Aaron K. Singer
Director
Bobbi J. Kilmer
Director
Frank G. Pellegrino
Director
Helen S. Santiago
Director
Katherine W. Shattuck
Director
Leo F. Lambert
Director
Robert G. Loughery
Director
Stephen M. Dorwart
Director
Susan E. Hartley
Director
Terry L. Lehman
Chairman of the Board
Research analysts covering CITIZENS & NORTHERN.
Recent press releases and 8-K filings for CZNC.
- Citizens & Northern Corporation (CZNC) reported net income of $4.466 million ($0.25 diluted EPS) for the fourth quarter of 2025 and $23.427 million ($1.46 diluted EPS) for the full year 2025.
- The company completed its merger with Susquehanna Community Financial, Inc. on October 1, 2025, which significantly impacted financial results, contributing approximately $596.2 million in total assets, $393.6 million in total loans, and $501.5 million in deposits.
- Excluding merger-related expenses, adjusted earnings (non-GAAP) were $0.56 per diluted share for Q4 2025 and $1.85 per diluted share for FY 2025. Merger-related expenses, net of tax, totaled $5.5 million in Q4 2025 and $6.35 million for FY 2025.
- Total assets increased to $3,132,469,000 at December 31, 2025, from $2,610,653,000 at December 31, 2024, and gross loans receivable reached $2,354,365,000. The net interest margin improved to 3.84% in Q4 2025 and 3.61% for FY 2025.
- Citizens & Northern Corporation (C&N) completed its merger with Susquehanna Community Financial, Inc. (Susquehanna) on October 1, 2025, with Susquehanna merging into C&N and Susquehanna Community Bank merging into Citizens & Northern Bank.
- Susquehanna shareholders became entitled to exchange each share of Susquehanna common stock for 0.80 shares of C&N common stock, with the total aggregate consideration being approximately 2,273,000 shares of C&N Common Stock.
- Effective October 1, 2025, Christian C. Trate was appointed to the boards of directors of C&N and Citizens & Northern Bank.
- David S. Runk and Jeffrey G. Hollenbach, former executives of Susquehanna, joined the C&N team as Executive Vice President and Strategic Advisor, and Executive Vice President and Region President, respectively.
- Citizens & Northern Corporation (C&N) and Susquehanna Community Financial, Inc. (Susquehanna) have received all required regulatory and shareholder approvals for their merger.
- The merger is expected to close on October 1, 2025, pending satisfaction of customary closing conditions.
- The Agreement and Plan of Merger between C&N and Susquehanna was dated as of April 23, 2025.
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