Citizens & Northern CorporationCZNCNASDAQ
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Debt to Assets Over TimeNormalizing
Percentile Rank36
3Y CAGR-5.9%
5Y CAGR+8.6%
Year-over-Year Change
Debt-to-assets ratio
3Y CAGR
-5.9%/yr
vs +18.3%/yr prior
5Y CAGR
+8.6%/yr
Recent deceleration
Acceleration
-24.3pp
Decelerating
Percentile
P36
Within normal range
vs 5Y Ago
1.5x
Solid growth
Streak
2 yr
Consecutive declineNormalizing
| Period | Value | YoY Change |
|---|---|---|
| 2025 | 0.06 | -22.5% |
| 2024 | 0.08 | -5.5% |
| 2023 | 0.08 | +13.7% |
| 2022 | 0.07 | +122.3% |
| 2021 | 0.03 | -18.2% |
| 2020 | 0.04 | -53.5% |
| 2019 | 0.09 | +131.8% |
| 2018 | 0.04 | -32.0% |
| 2017 | 0.06 | +6.8% |
| 2016 | 0.05 | - |