XML 68 R58.htm IDEA: XBRL DOCUMENT v3.23.3

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Loan Balances and Allowance for Loan Losses for Each Impairment Method (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Jun. 30, 2023	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Dec. 31, 2021
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable: Individually Evaluated			$ 19,358
Loans receivable: Collectively Evaluated			1,720,682
Loans receivable	$ 1,830,670		1,740,040
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment2			453
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment1			15,162
Allowance for loan losses	18,085	$ 19,056	16,615	$ 16,170	$ 14,547	$ 13,537
Commercial
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable: Individually Evaluated			18,754
Loans receivable: Collectively Evaluated			1,092,744
Loans receivable			1,111,498
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment2			453
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment1			10,845
Allowance for loan losses			11,298	10,238	8,894	8,293
Commercial | Real estate loan
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable: Individually Evaluated			7,154
Loans receivable: Collectively Evaluated			675,095
Loans receivable			682,249
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment2			427
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment1			6,647
Allowance for loan losses			7,074	6,047	4,982	4,405
Commercial | Commercial and industrial
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable: Individually Evaluated			11,223
Loans receivable: Collectively Evaluated			167,048
Loans receivable			178,271
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment2			26
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment1			2,883
Allowance for loan losses			2,909	2,823	2,792	2,723
Commercial | Paycheck Protection Program - 1st Draw
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable: Individually Evaluated			0
Loans receivable: Collectively Evaluated			5
Loans receivable			5
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment2			0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment1			0
Allowance for loan losses			0
Commercial | Paycheck Protection Program - 2nd Draw
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable: Individually Evaluated			0
Loans receivable: Collectively Evaluated			163
Loans receivable			163
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment2			0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment1			0
Allowance for loan losses			0
Commercial | Political subdivisions
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable: Individually Evaluated			0
Loans receivable: Collectively Evaluated			90,719
Loans receivable			90,719
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment2			0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment1			0
Allowance for loan losses			0
Commercial | Commercial Construction And Land
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable: Individually Evaluated			244
Loans receivable: Collectively Evaluated			73,719
Loans receivable			73,963
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment2			0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment1			647
Allowance for loan losses			647	684	515	637
Commercial | Loans secured by farm land
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable: Individually Evaluated			76
Loans receivable: Collectively Evaluated			12,874
Loans receivable			12,950
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment2			0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment1			112
Allowance for loan losses			112	113	112	115
Commercial | Multi-family (5 or more) residential
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable: Individually Evaluated			0
Loans receivable: Collectively Evaluated			55,886
Loans receivable			55,886
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment2			0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment1			411
Allowance for loan losses			411	427	339	215
Commercial | Agricultural loans
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable: Individually Evaluated			57
Loans receivable: Collectively Evaluated			2,378
Loans receivable			2,435
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment2			0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment1			21
Allowance for loan losses			21	22	23	25
Commercial | Other commercial loans
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable: Individually Evaluated			0
Loans receivable: Collectively Evaluated			14,857
Loans receivable	395,703		14,857
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment2			0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment1			124
Allowance for loan losses			124	122	131	173
Residential mortgage
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable: Individually Evaluated			604
Loans receivable: Collectively Evaluated			608,502
Loans receivable	410,013		609,106
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment2			0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment1			4,073
Allowance for loan losses			4,073	4,697	4,392	4,338
Residential mortgage | Real estate loan | first liens
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable: Individually Evaluated			506
Loans receivable: Collectively Evaluated			509,276
Loans receivable			509,782
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment2			0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment1			3,413
Allowance for loan losses			3,413	3,919	3,689	3,650
Residential mortgage | Real estate loan | junior liens
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable: Individually Evaluated			30
Loans receivable: Collectively Evaluated			24,919
Loans receivable			24,949
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment2			0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment1			167
Allowance for loan losses			167	194	180	184
Residential mortgage | Home equity lines of credit
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable: Individually Evaluated			68
Loans receivable: Collectively Evaluated			43,730
Loans receivable			43,798
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment2			0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment1			282
Allowance for loan losses			282	333	308	302
Residential mortgage | 1-4 Family residential construction
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable: Individually Evaluated			0
Loans receivable: Collectively Evaluated			30,577
Loans receivable			30,577
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment2			0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment1			211
Allowance for loan losses			211	251	215	202
Consumer
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable: Individually Evaluated			0
Loans receivable: Collectively Evaluated			19,436
Loans receivable	56,555		19,436
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment2			0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment1			244
Allowance for loan losses			244	235	261	235
Unallocated
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Allowance for loan losses	$ 0	$ 0	$ 1,000	$ 1,000	$ 1,000	$ 671

X

- Definition

The valuation allowance for financing receivables that are expected to be uncollectible that were collectively evaluated for impairment.

+ References

No definition available.

+ Details

Name:	cznc_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment1
Namespace Prefix:	cznc_
Data Type:	xbrli:monetaryItemType
Balance Type:	credit
Period Type:	instant

X

- Definition

Amount of valuation allowance for financing receivables that are expected to be uncollectible that were individually evaluated for impairment.

+ References

No definition available.

+ Details

Name:	cznc_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment2
Namespace Prefix:	cznc_
Data Type:	xbrli:monetaryItemType
Balance Type:	credit
Period Type:	instant

X

- Definition

The balance of financing receivables that were collectively evaluated for impairment.

+ References

No definition available.

+ Details

Name:	cznc_FinancingReceivableCollectivelyEvaluatedForImpairment1
Namespace Prefix:	cznc_
Data Type:	xbrli:monetaryItemType
Balance Type:	debit
Period Type:	instant

X

- Definition

The balance of financing receivables that were individually evaluated for impairment.

+ References

No definition available.

+ Details

Name:	cznc_FinancingReceivableIndividuallyEvaluatedForImpairment1
Namespace Prefix:	cznc_
Data Type:	xbrli:monetaryItemType
Balance Type:	debit
Period Type:	instant

X

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

No definition available.

+ Details

Name:	us-gaap_AccountsNotesAndLoansReceivableLineItems
Namespace Prefix:	us-gaap_
Data Type:	xbrli:stringItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Amount excluding accrued interest, of allowance for credit loss on financing receivable. Excludes net investment in lease.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 45
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147479344/326-20-45-1

+ Details

Name:	us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
Namespace Prefix:	us-gaap_
Data Type:	xbrli:monetaryItemType
Balance Type:	credit
Period Type:	instant

X

- Definition

Amortized cost excluding accrued interest, before allowance for credit loss, of financing receivable. Excludes net investment in lease.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 45
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147479344/326-20-45-1

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 3B
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147479319/326-20-50-3B

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 5
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147479319/326-20-50-5

+ Details

Name:	us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss
Namespace Prefix:	us-gaap_
Data Type:	xbrli:monetaryItemType
Balance Type:	debit
Period Type:	instant

X

- Details

Name:	us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialPortfolioSegmentMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

Name:	us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_RealEstateLoanMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

Name:	us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=cznc_CommercialAndIndustrialMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

Name:	us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=cznc_PaycheckProtectionProgramFirstDrawMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

Name:	us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=cznc_PaycheckProtectionProgramSecondDrawMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

Name:	us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=cznc_PoliticalSubdivisionsMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

Name:	us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=cznc_CommercialConstructionAndLandMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

Name:	us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=cznc_LoansSecuredByFarmlandMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

Name:	us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=cznc_Multifamily5OrMoreResidentialMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

Name:	us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=cznc_AgriculturalLoansMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

Name:	us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=cznc_OtherCommercialLoansMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

Name:	us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ResidentialPortfolioSegmentMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

Name:	us-gaap_LienCategoryAxis=us-gaap_SeniorLienMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

Name:	us-gaap_LienCategoryAxis=us-gaap_JuniorLienMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

Name:	us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=cznc_HomeEquityLineOfCredit1Member
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

Name:	us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=cznc_OneToFourFamilyResidentialConstructionMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

Name:	us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

Name:	us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_UnallocatedFinancingReceivablesMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type: