Citizens & Northern Q2 FY26 net income more than doubled to USD 14.06 million; net interest margin widens 55 basis points to 4.07%
CZNC•Second-quarter results
Citizens & Northern posted second-quarter net income of $14.06 million, more than doubled from a year earlier; diluted EPS rose to $0.79.
Net interest income climbed 40.09% to $29.62 million; net interest margin widened 55 basis points to 4.07%.
Credit and expense trends
Credit costs swung to a $1.85 million credit for credit losses from a $2.35 million provision a year earlier; ACL was 1.39% of loans.
Noninterest income increased 20.37% to $9.8 million; noninterest expense rose 22.9% to $23.84 million, reflecting the Susquehanna acquisition.
