Citizens & Northern Corporation Long-Term Debt 2011-2026 | CZNC

Long-term debt is a financial obligation of a company or an individual with a repayment period exceeding one year from the date it arises. In accounting, such obligations are recorded under the "long-term liabilities" section.

Main characteristics:

Term exceeds 12 months
Can take the form of bonds, bank loans, credit lines, leasing, or loans from affiliated parties
Repaid through regular payments (interest and/or principal) over several years

Why long-term debt is needed:

Investment in development
Allows financing of large projects — new factories, production lines, innovative developments — without diverting working capital.
Smoothing of cash flows
A long-term payment schedule facilitates budget planning and reduces short-term financial risks.
Optimization of capital structure
A combination of equity and borrowed capital can reduce the average cost of business financing.

A high level of long-term debt may indicate that a company heavily relies on borrowed funds. This increases risks, especially in conditions of rising interest rates or declining profits. However, a moderate level of debt can signal a sound growth strategy — for example, the company takes a loan to expand its business.

If a company uses borrowed funds effectively (e.g., invests in profitable projects), this can lead to profit growth and, consequently, an increase in stock value. An investor evaluates whether the investments made using debt are paying off.

It is important to monitor whether the company can regularly pay interest and repay the principal. Payment difficulties can lead to reduced dividends, a drop in stock value, and even bankruptcy.

Examples of long-term debt:

Mortgage loans for property purchases
Corporate bonds issued by a company to raise capital
Project financing — long-term loans for building or expanding production facilities
Leasing obligations for equipment or transport

Annual Long-Term Debt Citizens & Northern Corporation

2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
-	-	-	-	-	58.6 M	35.9 M	9.19 M	11.5 M	11.8 M	12.1 M	12.3 M	15.8 M	125 M

All numbers in USD currency

Indicator range from annual reports

Maximum	Minimum	Average
125 M	9.19 M	32.5 M

Quarterly Long-Term Debt Citizens & Northern Corporation

2025-Q3	2025-Q2	2025-Q1	2024-Q4	2024-Q3	2024-Q2	2024-Q1	2023-Q4	2023-Q3	2023-Q2	2023-Q1	2022-Q4	2022-Q3	2022-Q2	2022-Q1	2021-Q4	2021-Q3	2021-Q2	2021-Q1	2020-Q4	2020-Q3	2020-Q2	2020-Q1	2019-Q4	2019-Q3	2019-Q2	2019-Q1	2018-Q4	2018-Q3	2018-Q2	2018-Q1	2017-Q4	2017-Q3	2017-Q2	2017-Q1	2016-Q4	2016-Q3	2016-Q2	2016-Q1	2015-Q4	2015-Q3	2015-Q2	2015-Q1	2014-Q4	2014-Q3	2014-Q2	2014-Q1	2013-Q4	2013-Q3	2013-Q2	2013-Q1	2012-Q4	2012-Q3	2012-Q2	2012-Q1	2011-Q4	2011-Q3	2011-Q2	2011-Q1
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	32.8 M	35.9 M	33 M	27.1 M	18.1 M	9.19 M	9.19 M	9.19 M	9.19 M	38.5 M	38.5 M	38.5 M	38.5 M	38.8 M	38.8 M	38.8 M	38.8 M	73.1 M	73.1 M	73.1 M	73.1 M	73.3 M	73.3 M	73.3 M	73.3 M	83.8 M	83.8 M	83.8 M	83.8 M	125 M	125 M	125 M	125 M

All numbers in USD currency

Indicator range from quarterly reporting

Maximum	Minimum	Average
125 M	9.19 M	58 M

Long-Term Debt of other stocks in the Banks regional industry

Issuer	Long-Term Debt	Price	% 24h	Market Cap	Country
Signature Bank SBNY	3.67 B	-	-	$ 4.41 B	USA
American National Bankshares AMNB	35.5 M	-	-	$ 508 M	USA
First Midwest Bancorp, Inc. FMBI	1.64 B	-	-1.2 %	$ 2.26 B	USA
Banco Santander (Brasil) S.A. BSBR	70 B	$ 6.83	1.34 %	$ 136 B	Brasil
First Busey Corporation BUSE	254 M	$ 25.48	0.39 %	$ 1.44 B	USA
Banco Santander-Chile BSAC	14.5 T	$ 35.8	0.96 %	$ 3.42 T	Chile
Capital Bancorp CBNK	26 M	$ 29.92	0.67 %	$ 419 M	USA
Atlantic Capital Bancshares ACBI	73.8 M	-	-1.48 %	$ 566 M	USA
Bancolombia S.A. CIB	30.9 T	$ 75.73	-5.87 %	$ 13.9 B	Colombia
The Bank of Princeton BPRN	55.4 M	$ 34.15	0.71 %	$ 230 M	USA
Allegiance Bancshares ABTX	264 M	-	-0.86 %	$ 1.51 B	USA
Banco Macro S.A. BMA	39.2 B	$ 90.33	2.74 %	$ 14.4 M	Argentina
CB Financial Services CBFV	6 M	$ 34.19	0.89 %	$ 175 M	USA
Community Bank System CBU	990 M	$ 62.83	0.05 %	$ 3.31 B	USA
CBM Bancorp CBMB	5 M	-	0.52 %	$ 61.6 M	USA
Coastal Financial Corporation CCB	38.6 M	$ 78.9	4.3 %	$ 1.07 B	USA
ConnectOne Bancorp CNOB	629 M	$ 26.84	0.04 %	$ 1.21 B	USA
Cadence Bancorporation CADE	373 M	-	-	$ 5.43 B	USA
Citizens Financial Group CFG	11.2 B	$ 62.07	-0.67 %	$ 26.9 B	USA
Columbia Financial CLBK	1.08 B	$ 17.98	-0.88 %	$ 1.83 B	USA
1895 Bancorp of Wisconsin BCOW	17.6 M	-	-6.47 %	$ 52 M	USA
BCB Bancorp BCBP	11.3 M	$ 8.06	-	$ 137 M	USA
BankFinancial Corporation BFIN	4 M	-	-	$ 151 M	USA
Civista Bancshares CIVB	256 M	$ 23.9	0.34 %	$ 362 M	USA
Business First Bancshares BFST	118 M	$ 27.75	-0.5 %	$ 729 M	USA
Bar Harbor Bankshares BHB	60.7 M	$ 32.9	-0.75 %	$ 498 M	USA
Berkshire Hills Bancorp BHLB	335 M	-	-0.65 %	$ 1.11 B	USA
Spirit of Texas Bancshares, Inc. STXB	92.2 M	-	-0.23 %	$ 446 M	USA
People's United Financial, Inc. PBCT	1.02 B	-	-	$ 8.34 B	USA
BankUnited BKU	684 M	$ 47.79	-0.83 %	$ 3.52 B	USA
California BanCorp CALB	214 M	-	1.05 %	$ 210 M	USA
Bank of Marin Bancorp BMRC	2.84 M	$ 25.84	0.04 %	$ 414 M	USA
Popular BPOP	1.1 B	$ 140.22	-0.76 %	$ 10 B	USA
Blue Ridge Bankshares BRBS	135 M	$ 4.08	-0.49 %	$ 77.3 M	USA
Brookline Bancorp BRKL	1.52 B	-	-	$ 974 M	USA
Central Valley Community Bancorp CVCY	5.16 M	-	2.26 %	$ 233 M	USA
Sierra Bancorp BSRR	49.4 M	$ 36.03	-0.17 %	$ 515 M	USA
Bankwell Financial Group BWFG	200 M	$ 47.89	1.81 %	$ 369 M	USA
American River Bankshares AMRB	13.8 M	-	2.00 %	$ 125 M	USA
Bank of Commerce Holdings BOCH	25.3 M	-	-1.56 %	$ 254 M	USA
First BanCorp. FBP	562 M	$ 21.9	0.41 %	$ 3.6 B	Puerto-rico
First Capital FCAP	10 M	$ 50.87	1.72 %	$ 170 M	USA
Chemung Financial Corporation CHMG	3.85 M	$ 56.16	-0.34 %	$ 266 M	USA
Carter Bankshares CARE	10 M	$ 21.04	-0.24 %	$ 480 M	USA
Carver Bancorp CARV	20.2 M	-	-	$ 7.31 M	USA
Dime Community Bancshares DCOM	1.32 B	$ 32.62	-0.46 %	$ 1.4 B	USA
Dime Community Bancshares DCOMP	1.32 B	$ 19.43	-	$ 836 M	USA
Cambridge Bancorp CATC	3.41 M	-	-	$ 576 M	USA