Citizens & Northern annual debt-to-assets ratio
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Citizens & Northern Debt-to-Assets Ratio Growth & History (CZNC)
Citizens & Northern's debt-to-assets ratio was 0.01 for fiscal 2025.
View full Citizens & Northern company overviewCitizens & Northern annual debt-to-assets ratio history
| Fiscal year | Period ended | Debt-to-assets ratio | Change | Growth |
|---|---|---|---|---|
| 2025 | 2025-12-31 | 0.01 | 0.01 | +375.86% |
| 2024 | 2024-12-31 | 0.00 | −0.01 | −85.49% |
| 2023 | 2023-12-31 | 0.01 | −0.02 | −56.61% |
| 2022 | 2022-12-31 | 0.03 | 0.03 | +1337.70% |
| 2021 | 2021-12-31 | 0.00 | −0.01 | −77.23% |
| 2020 | 2020-12-31 | 0.01 | −0.04 | −79.89% |
| 2019 | 2019-12-31 | 0.05 | 0.01 | +37.97% |
| 2018 | 2018-12-31 | 0.04 | −0.02 | −32.01% |
| 2017 | 2017-12-31 | 0.06 | 0.00 | +6.81% |
| 2016 | 2016-12-31 | 0.05 | −0.02 | −31.02% |
| 2015 | 2015-12-31 | 0.08 | 0.01 | +19.17% |
| 2014 | 2014-12-31 | 0.06 | −0.01 | −19.02% |
| 2013 | 2013-12-31 | 0.08 | 0.01 | +12.52% |
| 2012 | 2012-12-31 | 0.07 | −0.03 | −29.45% |
| 2011 | 2011-12-31 | 0.10 | −0.03 | −22.35% |
| 2010 | 2010-12-31 | 0.13 | — | — |
Citizens & Northern quarterly debt-to-assets ratio
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Q2.11
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Q2.26
| Fiscal quarter | Period ended | Debt-to-assets ratio | Change | YoY change |
|---|---|---|---|---|
| Q2 2026 | 2026-06-30 | 0.00 | 0.00 | +2175.65% |
| Q1 2026 | 2026-03-31 | 0.00 | 0.00 | +1862.51% |
| Q4 2025 | 2025-12-31 | 0.01 | 0.01 | +375.86% |
| Q3 2025 | 2025-09-30 | 0.00 | −0.00 | −86.94% |
| Q2 2025 | 2025-06-30 | 0.00 | −0.01 | −96.86% |
| Q1 2025 | 2025-03-31 | 0.00 | −0.02 | −98.87% |
| Q4 2024 | 2024-12-31 | 0.00 | −0.01 | −85.49% |
| Q3 2024 | 2024-09-30 | 0.00 | −0.01 | −54.30% |
| Q2 2024 | 2024-06-30 | 0.01 | −0.01 | −48.85% |
| Q1 2024 | 2024-03-31 | 0.02 | −0.02 | −49.62% |
| Q4 2023 | 2023-12-31 | 0.01 | −0.02 | −56.61% |
| Q3 2023 | 2023-09-30 | 0.01 | 0.01 | +814.48% |
| Q2 2023 | 2023-06-30 | 0.01 | −0.02 | −65.94% |
| Q1 2023 | 2023-03-31 | 0.04 | 0.04 | +3700.23% |
| Q4 2022 | 2022-12-31 | 0.03 | 0.03 | +1337.70% |
| Q3 2022 | 2022-09-30 | 0.00 | 0.00 | +28.57% |
| Q2 2022 | 2022-06-30 | 0.04 | 0.04 | +4011.32% |
| Q1 2022 | 2022-03-31 | 0.00 | −0.00 | −75.82% |
| Q4 2021 | 2021-12-31 | 0.00 | −0.01 | −77.23% |
| Q3 2021 | 2021-09-30 | 0.00 | −0.02 | −95.42% |
| Q2 2021 | 2021-06-30 | 0.00 | −0.01 | −88.99% |
| Q1 2021 | 2021-03-31 | 0.00 | −0.02 | −81.87% |
| Q4 2020 | 2020-12-31 | 0.01 | −0.04 | −79.89% |
| Q3 2020 | 2020-09-30 | 0.02 | 0.00 | +34.08% |
| Q2 2020 | 2020-06-30 | 0.01 | −0.01 | −51.68% |
| Q1 2020 | 2020-03-31 | 0.02 | −0.01 | −21.60% |
| Q4 2019 | 2019-12-31 | 0.05 | 0.01 | +37.97% |
| Q3 2019 | 2019-09-30 | 0.01 | −0.02 | −59.78% |
| Q2 2019 | 2019-06-30 | 0.02 | −0.02 | −50.41% |
| Q1 2019 | 2019-03-31 | 0.03 | −0.01 | −16.96% |
| Q4 2018 | 2018-12-31 | 0.04 | −0.02 | −32.01% |
| Q3 2018 | 2018-09-30 | 0.03 | 0.00 | +4.07% |
| Q2 2018 | 2018-06-30 | 0.03 | −0.00 | −9.26% |
| Q1 2018 | 2018-03-31 | 0.04 | −0.01 | −26.02% |
| Q4 2017 | 2017-12-31 | 0.06 | 0.00 | +6.81% |
| Q3 2017 | 2017-09-30 | 0.03 | −0.01 | −27.45% |
| Q2 2017 | 2017-06-30 | 0.04 | −0.01 | −27.35% |
| Q1 2017 | 2017-03-31 | 0.05 | −0.01 | −9.82% |
| Q4 2016 | 2016-12-31 | 0.05 | −0.02 | −31.02% |
| Q3 2016 | 2016-09-30 | 0.04 | −0.02 | −28.05% |
| Q2 2016 | 2016-06-30 | 0.05 | −0.01 | −20.69% |
| Q1 2016 | 2016-03-31 | 0.05 | −0.01 | −15.61% |
| Q4 2015 | 2015-12-31 | 0.08 | 0.01 | +19.17% |
| Q3 2015 | 2015-09-30 | 0.06 | −0.00 | −6.74% |
| Q2 2015 | 2015-06-30 | 0.07 | 0.00 | +6.32% |
| Q1 2015 | 2015-03-31 | 0.06 | −0.00 | −0.30% |
| Q4 2014 | 2014-12-31 | 0.06 | −0.01 | −19.02% |
| Q3 2014 | 2014-09-30 | 0.06 | 0.00 | +0.20% |
| Q2 2014 | 2014-06-30 | 0.06 | −0.01 | −15.30% |
| Q1 2014 | 2014-03-31 | 0.06 | −0.00 | −3.65% |
| Q4 2013 | 2013-12-31 | 0.08 | 0.01 | +12.52% |
| Q3 2013 | 2013-09-30 | 0.06 | −0.02 | −24.16% |
| Q2 2013 | 2013-06-30 | 0.07 | −0.01 | −15.02% |
| Q1 2013 | 2013-03-31 | 0.07 | −0.03 | −27.61% |
| Q4 2012 | 2012-12-31 | 0.07 | −0.03 | −29.45% |
| Q3 2012 | 2012-09-30 | 0.08 | −0.03 | −25.45% |
| Q2 2012 | 2012-06-30 | 0.09 | −0.03 | −26.57% |
| Q1 2012 | 2012-03-31 | 0.09 | — | — |
| Q4 2011 | 2011-12-31 | 0.10 | −0.03 | −22.35% |
| Q3 2011 | 2011-09-30 | 0.11 | — | — |
| Q2 2011 | 2011-06-30 | 0.12 | — | — |
| Q4 2010 | 2010-12-31 | 0.13 | — | — |
Citizens & Northern debt-to-assets ratio trends
Over the last five fiscal years, Citizens & Northern's debt-to-assets ratio decreased from 0.01 to 0.01, a change of −0.00. The latest reported quarter, Q2 2026, shows 0.00.
About the metric
What the debt-to-assets ratio means
The debt-to-assets ratio shows the portion of a company’s reported assets financed with interest-bearing debt. It is a leverage measure and should not be confused with total liabilities divided by assets.
Calculation and source
How debt-to-assets is calculated
TickerStat calculates debt-to-assets as total interest-bearing debt divided by total assets at the same reporting-period end. Periods with missing debt or non-positive assets are omitted. Fiscal periods can differ from calendar years, so exact period-end dates are included.
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