Citizens & North

Q2 FY2026 EarningsQ2 FY26 results significantly beat consensus across all bottom-line metrics, driven by the successful integration of the Susquehanna acquisition and substantial NIM expansion. Net Income reached $14.06M vs. $11.20M expected, with Diluted EPS of $0.79 comfortably exceeding the $0.63 consensus. While Revenue of $41.57M outperformed the $36.50M forecast due to a 25.3% YoY increase in average loans, the underlying credit quality showed volatility, mitigated this quarter by a $1.85M credit for credit losses following a massive Q1 charge-off.