C&N Q4 net income drops 45% to USD 4.5 million
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Citizens & Northern Corporation (NASDAQ: CZNC) reported a 45% drop in Q4 net income to USD 4.5 million, influenced by its merger with Susquehanna Community Financial, Inc. on October 1, 2025. The merger added approximately USD 596.2 million in assets and incurred USD 5.5 million in merger-related expenses for Q4. Despite the decline in net income, the merger contributed to growth in net interest income and noninterest income. The company remains well-capitalized with regulatory capital ratios exceeding requirements.
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