XML 59 R48.htm IDEA: XBRL DOCUMENT v3.25.2

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Analysis of past due loans (Details) - USD ($) $ in Thousands	Jun. 30, 2025	Dec. 31, 2024
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Nonaccrual loans	$ 25,190	$ 23,842
Loans receivable	1,919,258	1,895,848
Past Due 30-89 Days
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Nonaccrual loans	1,721	5,658
Past Due 90+ Days
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Nonaccrual loans	86	119
Current
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable	1,892,261	1,866,229
Commercial | Commercial real estate - non-owner occupied
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Nonaccrual loans	6,634	7,370
Loans receivable	757,961	739,565
Commercial | Commercial real estate - non-owner occupied | Past Due 30-89 Days
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Nonaccrual loans	0	266
Commercial | Commercial real estate - non-owner occupied | Past Due 90+ Days
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Nonaccrual loans	0	0
Commercial | Commercial real estate - non-owner occupied | Current
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable	751,327	731,929
Commercial | Commercial real estate - owner occupied
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Nonaccrual loans	4,801	1,725
Loans receivable	261,157	261,071
Commercial | Commercial real estate - owner occupied | Past Due 30-89 Days
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Nonaccrual loans	0	0
Commercial | Commercial real estate - owner occupied | Past Due 90+ Days
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Nonaccrual loans	0	62
Commercial | Commercial real estate - owner occupied | Current
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable	256,356	259,284
Commercial | All other commercial loans
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Nonaccrual loans	9,761	10,006
Loans receivable	430,499	423,277
Commercial | All other commercial loans | Past Due 30-89 Days
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Nonaccrual loans	428	296
Commercial | All other commercial loans | Past Due 90+ Days
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Nonaccrual loans	34	0
Commercial | All other commercial loans | Current
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable	420,276	412,975
Residential mortgage loans
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Nonaccrual loans	3,718	4,310
Loans receivable	398,496	408,009
Residential mortgage loans | Past Due 30-89 Days
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Nonaccrual loans	971	4,934
Residential mortgage loans | Past Due 90+ Days
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Nonaccrual loans	0	0
Residential mortgage loans | Current
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable	393,807	398,765
Consumer loans
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Nonaccrual loans	276	431
Loans receivable	71,145	63,926
Consumer loans | Past Due 30-89 Days
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Nonaccrual loans	322	162
Consumer loans | Past Due 90+ Days
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Nonaccrual loans	52	57
Consumer loans | Current
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable	$ 70,495	$ 63,276

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

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 310
-SubTopic 20
-Name Accounting Standards Codification
-Section 40
-Paragraph 7
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481628/310-20-40-7

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 45
-Paragraph 2
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481990/310-10-45-2

+ Details

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

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

- Definition

Amortized cost of financing receivable on nonaccrual status. Excludes net investment in lease.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 7
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481962/310-10-50-7

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Name Regulation S-K (SK)
-Number 229
-Section 1405
-Paragraph a
-Subparagraph (3)
-Publisher SEC

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Name Regulation S-K (SK)
-Number 229
-Section 1405
-Paragraph a
-Subparagraph (2)
-Publisher SEC

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 16
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-16

+ Details

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

X

- Details

Name:	us-gaap_FinancingReceivablesPeriodPastDueAxis=cznc_FinancingReceivables30To89DaysPastDueMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

Name:	us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

Name:	us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancialAssetNotPastDueMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

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

X

- Details

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

X

- Details

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

X

- Details

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

X

- Details

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

X

- Details

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