---
title: "C&N Q4 net income drops 45% to USD 4.5 million"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/274042503.md"
description: "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."
datetime: "2026-01-28T21:11:36.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/274042503.md)
  - [en](https://longbridge.com/en/news/274042503.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/274042503.md)
---

> Supported Languages: [简体中文](https://longbridge.com/zh-CN/news/274042503.md) | [繁體中文](https://longbridge.com/zh-HK/news/274042503.md)


# C&N Q4 net income drops 45% to USD 4.5 million

Citizens & Northern Corporation (NASDAQ: CZNC) reported its unaudited consolidated financial results for the fourth quarter (Q4) and full year (FY) ended December 31, 2025. The company’s results were significantly impacted by the completion of its merger with Susquehanna Community Financial, Inc. on October 1, 2025. Following the merger, Susquehanna contributed approximately USD 596.2 million in total assets, USD 393.6 million in total loans, and USD 501.5 million in deposits as of October 1, 2025. Merger-related expenses, net of tax, totaled USD 5.5 million in Q4 and USD 6.4 million for FY 2025. The addition of Susquehanna contributed to growth in net interest income, noninterest income, and noninterest expenses for the reported periods. During FY 2025, Citizens & Northern Corporation repurchased 501 shares of its common stock for a total cost of USD 9,534 at an average price of USD 19.03 per share. At December 31, 2025, 723,465 shares remained available for repurchase under the existing program. As of December 31, 2025, Citizens & Northern Corporation and Citizens & Northern Bank maintained regulatory capital ratios exceeding all capital adequacy requirements and were classified as well-capitalized. Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Citizens & Northern Corporation published the original content used to generate this news brief via EDGAR, the Electronic Data Gathering, Analysis, and Retrieval system operated by the U.S. Securities and Exchange Commission (Ref. ID: 0001104659-26-007411), on January 28, 2026, and is solely responsible for the information contained therein. © Copyright 2026 - Public Technologies (PUBT) Original Document: here

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