Basis: Latest reported fiscal quarter. Source: stored company filings and market data; unavailable inputs remain N/A.
Is the debt to assets ratio high or low?
The debt to assets ratio of 5.39% is 19% below its 5-year average of 6.64%, around the middle of its 5-year range (3.03%–9.53%).
As of the fiscal period ended Tuesday, June 30, 2026. 13.70% below its 12-month average of 6.25%.
Reported quarterly debt to assets ratio; no daily interpolation. Q2 FY2026 (2026-06-30): 5.39%.
DEBT TO ASSETS RATIO
5.39%
DEBT TO ASSETS RATIO AVG TTM
6.25%
DEBT TO ASSETS RATIO AVG 3Y
7.49%
DEBT TO ASSETS RATIO AVG 5Y
6.64%
DEBT TO ASSETS RATIO AVG 10Y
5.70%
DEBT TO ASSETS RATIO AVG 15Y
6.30%
DEBT TO ASSETS RATIO AVG 20Y
8.53%
CURRENT VS TTM AVG
-13.70%
CURRENT VS 3Y AVG
-27.98%
CURRENT VS 5Y AVG
-18.73%
CURRENT VS 10Y AVG
-5.29%
CURRENT VS 15Y AVG
-14.43%
CURRENT VS 20Y AVG
-36.78%
SECTOR MEDIAN · FINANCIAL SERVICES
0.05%
median of 429 covered companies
CURRENT VS SECTOR MEDIAN
+10689.08%
vs the sector median at left
Citizens & Northern Corporation
Market Cap
$456.87M
Debt to Assets Ratio
5.39%
TTM Avg
6.25%
3Y Avg
7.49%
5Y Avg
6.64%
Market Cap
$449.75M
Debt to Assets Ratio
0.12%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$448.81M
Debt to Assets Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$443.92M
Debt to Assets Ratio
0.01%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$471.03M
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$471.79M
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$474.16M
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
| NAME | MARKET CAP | DEBT TO ASSETS RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Citizens & Northern Corporation (CZNC) | $456.87M | 5.39% | 6.25% | 7.49% | 6.64% |
| American Coastal Insurance Corporation (ACIC)vs › | $449.75M | 0.12% | N/A | N/A | N/A |
| Churchill Capital Corp. Xii (CXII)vs › | $448.81M | N/A | N/A | N/A | N/A |
| First Bank (FRBA)vs › | $444.63M | 0.07% | N/A | N/A | N/A |
| Bank of Marin Bancorp (BMRC)vs › | $443.92M | 0.01% | N/A | N/A | N/A |
| Gores Holdings X, Inc. (GTEN)vs › | $471.03M | 0.00% | N/A | N/A | N/A |
| Cantor Equity Partners IV, Inc. Class A Ordinary Shares (CEPF)vs › | $471.79M | 0.00% | N/A | N/A | N/A |
| Crane Harbor Acquisition Corp. II Class A Ordinary Shares (CRAN)vs › | $474.16M | 0.00% | N/A | N/A | N/A |
| AlTi Global, Inc. (ALTI)vs › | $438.05M | 0.07% | N/A | N/A | N/A |
| Idea Acquisition Corp. Class A Ordinary Shares (IACO)vs › | $437.50M | 0.00% | N/A | N/A | N/A |
Debt/Assets
5.4%
Debt/Equity
0.49
Current ratio and interest coverage is unavailable for Citizens & Northern Corporation: applicability has not been verified for this financial-services business. The current sector-based policy withholds this model until its treatment of debt, cash and cash flows is confirmed for the company.
Formula: Debt/Assets = Total Debt / Total Assets × 100
Debt/Assets vs Debt/Equity:
Industry context matters: Capital-intensive industries (utilities, real estate) typically have higher Debt/Assets ratios than tech companies.
Debt/Assets ratio shows what percentage of a company's assets are financed by debt. Compare the current value with the historical chart and peer group to understand leverage over time.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | DEBT TO ASSETS RATIO |
|---|---|
| 2026-06-30 | 5.39% |
| 2026-03-31 | 6.10% |
| 2025-12-31 | 6.16% |
| 2025-09-30 | 6.54% |
| 2025-06-30 | 7.06% |
| 2025-03-31 | 7.46% |
| 2024-12-31 | 7.95% |
| 2024-09-30 | 8.45% |
| 2024-06-30 | 9.33% |
| 2024-03-31 | 9.40% |
| 2023-12-31 | 8.42% |
| 2023-09-30 | 7.57% |
| 2023-06-30 | 7.53% |
| 2023-03-31 | 9.53% |
| 2022-12-31 | 7.41% |
| 2022-09-30 | 4.05% |
| 2022-06-30 | 6.89% |
| 2022-03-31 | 3.03% |
| 2021-12-31 | 3.33% |
| 2021-09-30 | 3.75% |
| 2021-06-30 | 4.02% |
| 2021-03-31 | 3.29% |
| 2020-12-31 | 4.07% |
| 2020-09-30 | 6.81% |
| 2020-06-30 | 5.37% |
| 2020-03-31 | 7.18% |
| 2019-12-31 | 8.76% |
| 2019-09-30 | 5.26% |
| 2019-06-30 | 4.52% |
| 2019-03-31 | 2.94% |
| 2018-12-31 | 3.78% |
| 2018-09-30 | 3.22% |
| 2018-06-30 | 3.44% |
| 2018-03-31 | 3.55% |
| 2017-12-31 | 5.56% |
| 2017-09-30 | 3.10% |
| 2017-06-30 | 3.80% |
| 2017-03-31 | 4.79% |
| 2016-12-31 | 5.20% |
| 2016-09-30 | 4.27% |
| 2016-06-30 | 5.22% |
| 2016-03-31 | 5.31% |
| 2015-12-31 | 7.54% |
| 2015-09-30 | 5.93% |
| 2015-06-30 | 6.59% |
| 2015-03-31 | 6.30% |
| 2014-12-31 | 6.33% |
| 2014-09-30 | 6.36% |
| 2014-06-30 | 6.20% |
| 2014-03-31 | 6.32% |
| 2013-12-31 | 7.81% |
| 2013-09-30 | 6.35% |
| 2013-06-30 | 7.32% |
| 2013-03-31 | 6.55% |
| 2012-12-31 | 6.95% |
| 2012-09-30 | 8.37% |
| 2012-06-30 | 8.61% |
| 2012-03-31 | 9.05% |
| 2011-12-31 | 10.22% |
| 2011-09-30 | 11.22% |
| 2011-06-30 | 11.72% |
| 2011-03-31 | 11.73% |
| 2010-12-31 | 12.68% |
| 2010-09-30 | 13.54% |
| 2010-06-30 | 15.09% |
| 2010-03-31 | 17.25% |
| 2009-12-31 | 17.81% |
| 2009-09-30 | 19.44% |
| 2009-06-30 | 20.13% |
| 2009-03-31 | 21.32% |
| 2008-12-31 | 22.27% |
| 2008-09-30 | 23.43% |
| 2008-06-30 | 23.23% |
| 2008-03-31 | 23.20% |
| 2007-12-31 | 23.38% |
| 2007-09-30 | 18.18% |
| 2007-06-30 | 16.55% |
| 2007-03-31 | 18.76% |
| 2006-12-31 | 20.26% |
| 2006-09-30 | 20.61% |
| 2006-06-30 | 20.63% |
| 2006-03-31 | 23.23% |
| 2005-12-31 | 22.95% |
| 2005-09-30 | 24.36% |
| 2005-06-30 | 26.92% |
| 2005-03-31 | 27.23% |
| 2004-12-31 | 27.16% |
| 2004-09-30 | 28.28% |
| 2004-06-30 | 28.60% |
| 2004-03-31 | 27.21% |
| 2003-12-31 | 25.58% |
| 2003-09-30 | 24.94% |
| 2003-06-30 | 24.16% |
| 2003-03-31 | 23.79% |
| 2002-12-31 | 24.72% |
| 2002-09-30 | 22.28% |
