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Pay vs Performance Disclosure - USD ($)
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Dec. 31, 2021
Pay vs Performance Disclosure          
Pay vs Performance Disclosure, Table

Pay Versus Performance

 

The SEC has adopted rules requiring disclosure of the relationship between executive compensation and financial performance. Consistent with these rules, the Corporation (“CZNC”) is disclosing the information presented in this “Pay Versus Performance” section. The Corporation’s process for evaluating executive compensation is described in the Compensation Discussion and Analysis section of this proxy statement.

 

The following table sets forth summary information concerning executive compensation for each of the last five years.

 

Pay Versus Performance

For the Years Ended December 31, 2025, 2024, 2023, 2022 and 2021

 

            Average
Summary
Compensation
Table Total		   Average
Compensation
Actually Paid		   Value of Initial Fixed $100 Investment on 12/31/2020 Based on:         
Year   Summary
Compensation
Table Total
for PEO ($)		   Compensation
Actually Paid
to PEO ($)		   for Non-PEO
Named
Executive
Officers ($)		   to Non-PEO
Named
Executive
Officers ($)		   Total
Shareholder
Return ($)		   Peer Group
Total
Shareholder
Return ($)		   Net Income
($)		   PPNR-
NCOs (1)		 
2025   1,049,149   1,094,730   544,820   547,125   132.32   149.15   23,427,000   $39,559,000 
2024   1,445,245   1,357,418   535,116   516,577   115.22   139.30   25,958,000   $32,821,000 
2023   1,225,587   1,219,593   478,533   469,810   131.21   115.54   24,148,000   $32,637,000 
2022   1,088,120   915,313   463,238   404,421   126.52   119.65   26,618,000   $36,746,000 
2021   1,109,193   1,203,089   475,533   514,543   138.06   142.91   30,554,000   $40,933,000 

 

(1)In 2025, the Corporation changed its Company-Selected Measure from Pre-Tax Pre-Provision Net Revenue less Net-Charge Offs as a percentage of Average Equity (PPNR-NCOs/Average Equity) to PPNR-NCOs.

 

Mr. Scovill, the CEO, was the PEO in each of the five years presented in the table above. The non-PEO named executive officers included in table above are Mr. Hughes and Mr. Hoose for 2021-2025, Ms. Cwiklinski for 2024-2025, Mr. Dunsmore for 2021-2023 and 2025 and Mr. Rush for 2021-2024.

 

The index values shown in the table above are market-weighted dividend-reinvestment numbers, which measure the total return for investing $100.00 five years ago. The Peer Group Total Shareholder Return amounts are determined based on the NASDAQ Bank Index.

A reconciliation of Summary Compensation Table Total amounts to amounts described as “Actually Paid” for each year in the Pay Versus Performance table above is presented in the following table.

 

                       Add: Change in       Less: Fair Value     
                   Add: Fair Value   Fair Value of       at End of Prior     
               Less: Stock   at Year-end of   Awards   Add: Change in   Year of any     
               Awards from   Stock Awards   Granted in   Fair Value of   Awards     
               Summary   Granted   any   Shares that   Granted     
               Compensation   During the   Prior Year   Vested as of   in a Prior Year     
               Table   Year that are   that are   the Vesting   that Failed to     
       Summary   Less:   Valued   Outstanding   Outstanding   Date as   Meet Vesting   Total 
       Compensation   Change in   Based on   and Unvested   and Unvested   Compared   Conditions   Compensation 
       Table   Pension   Fair Value at   at the End   at the End   to the End of   in the   Actually 
   Year   Total   Value   Grant Date   of the Year   of the Year   the Prior Year   Covered Year   Paid 
PEO  2025   1,049,149   -   118,394   108,595   42,544   21,615   8,779   1,094,730 
   2024   1,445,245   -   577,792   530,565   (25,918)  (14,682)  -   1,357,418 
   2023   1,225,587   -   132,301   127,088   (4,102)  3,321   -   1,219,593 
   2022   1,088,120   -   224,429   170,879   (21,457)  (6,693)  91,107   915,313 
   2021   1,109,193   -   213,754   278,883   45,198   9,222   25,653   1,203,089 
AVERAGE OF  2025   544,820   2,934   43,606   39,281   4,000   7,401   1,837   547,125 
NON-PEO  2024   535,116   -   64,702   59,478   (8,886)  (4,430)  -   516,577 
NEOs  2023   478,533   4,252   49,531   47,580   (1,448)  (1,071)  -   469,810 
   2022   463,238   -   85,869   65,197   (8,644)  (3,198)  26,303   404,421 
   2021   475,533   -   65,315   85,217   21,041   5,662   7,594   514,543 

 

Notes:

 

1.There were no stock awards that were granted and vested in the same year.
2.There were no modifications to stock-based awards during the years included in the table.
3.The valuation assumptions used to calculate equity award fair values did not materially differ from those used at the time of grant.
4.There were no other earnings paid on stock or option awards in the covered fiscal years prior to the vesting dates that were not otherwise included in total compensation.

The Corporation has selected Pre-Tax Pre-Provision Net Revenue Less Net-Charge Offs compared to Budget as its “Company-Selected Measure,” meaning the most important measure the Corporation used in linking compensation actually paid in 2025 to company performance. The Corporation’s calculations of PPNR-NCOs reflect adjustments to earnings determined based on U.S. GAAP to eliminate amounts identified as “extraordinary occurrences” as described in the 2025 Annual Incentive Plan Award document. Reconciliation of the Corporation’s earnings under U.S. GAAP to the non-GAAP earnings amount included in PPNR-NCOs compared to Budget for each year included in the Pay Versus Performance table is presented in the following table.

 

   Year Ended December 31, 
(Dollars In Thousands)  2021   2022   2023   2024   2025 
Net Income  $30,554   $26,618   $24,148   $25,958   $23,427 
Add: Provision for income taxes   7,133    5,732    6,335    5,913    5,216 
Add:  Provision for credit losses   3,661    7,255    186    2,195    6,073 
Add: Adjustment to reflect net interest income on a fully taxable-equivalent basis   1,135    1,226    919    819    882 
Add (less): realized (gains) losses on available-for-sale debt securities   (24)   (20)   3,036    0    (38)
Add: merger-related expenses   0    0    0    0    7,940 
Less: Susquehanna pre-tax earnings contribution   0    0    0    0    (2,992)
Add: professional fees related to core system contract negotiation   0    0    0    0    647 
Less: curtailment gain on Postretirement Plan   0    0    0    (469)   0 
Less: enhancement fee included in noninterest income related to purchase of BOLI   0    0    (2,100)   0    0 
Add: professional fees expense related to broker-dealer conversion   0    0    389    0    0 
Pre-Provision Net Revenue (PPNR) - Non-GAAP  $42,459   $40,811   $32,913   $34,416   $41,155 
Net Charge-offs (NCOs) (1)  $(1,509)  $(4,177)  $(264)  $(1,603)  $(1,596)
PPNR Less Net Charge-offs  $40,933   $36,746   $32,637   $32,821   $39,559 

 

(1)For the year ended December 31, 2025, net charge-offs excludes $21,000 related to loans acquired from Susquehanna.
        
Company Selected Measure Name PPNR- NCOs        
Named Executive Officers, Footnote

Mr. Scovill, the CEO, was the PEO in each of the five years presented in the table above. The non-PEO named executive officers included in table above are Mr. Hughes and Mr. Hoose for 2021-2025, Ms. Cwiklinski for 2024-2025, Mr. Dunsmore for 2021-2023 and 2025 and Mr. Rush for 2021-2024.

        
Peer Group Issuers, Footnote

The index values shown in the table above are market-weighted dividend-reinvestment numbers, which measure the total return for investing $100.00 five years ago. The Peer Group Total Shareholder Return amounts are determined based on the NASDAQ Bank Index.

        
PEO Total Compensation Amount $ 1,049,149 $ 1,445,245 $ 1,225,587 $ 1,088,120 $ 1,109,193
PEO Actually Paid Compensation Amount $ 1,094,730 1,357,418 1,219,593 915,313 1,203,089
Adjustment To PEO Compensation, Footnote

A reconciliation of Summary Compensation Table Total amounts to amounts described as “Actually Paid” for each year in the Pay Versus Performance table above is presented in the following table.

                       Add: Change in       Less: Fair Value     
                   Add: Fair Value   Fair Value of       at End of Prior     
               Less: Stock   at Year-end of   Awards   Add: Change in   Year of any     
               Awards from   Stock Awards   Granted in   Fair Value of   Awards     
               Summary   Granted   any   Shares that   Granted     
               Compensation   During the   Prior Year   Vested as of   in a Prior Year     
               Table   Year that are   that are   the Vesting   that Failed to     
       Summary   Less:   Valued   Outstanding   Outstanding   Date as   Meet Vesting   Total 
       Compensation   Change in   Based on   and Unvested   and Unvested   Compared   Conditions   Compensation 
       Table   Pension   Fair Value at   at the End   at the End   to the End of   in the   Actually 
   Year   Total   Value   Grant Date   of the Year   of the Year   the Prior Year   Covered Year   Paid 
PEO  2025   1,049,149   -   118,394   108,595   42,544   21,615   8,779   1,094,730 
   2024   1,445,245   -   577,792   530,565   (25,918)  (14,682)  -   1,357,418 
   2023   1,225,587   -   132,301   127,088   (4,102)  3,321   -   1,219,593 
   2022   1,088,120   -   224,429   170,879   (21,457)  (6,693)  91,107   915,313 
   2021   1,109,193   -   213,754   278,883   45,198   9,222   25,653   1,203,089 
AVERAGE OF  2025   544,820   2,934   43,606   39,281   4,000   7,401   1,837   547,125 
NON-PEO  2024   535,116   -   64,702   59,478   (8,886)  (4,430)  -   516,577 
NEOs  2023   478,533   4,252   49,531   47,580   (1,448)  (1,071)  -   469,810 
   2022   463,238   -   85,869   65,197   (8,644)  (3,198)  26,303   404,421 
   2021   475,533   -   65,315   85,217   21,041   5,662   7,594   514,543 

Notes:

1.There were no stock awards that were granted and vested in the same year.
2.There were no modifications to stock-based awards during the years included in the table.
3.The valuation assumptions used to calculate equity award fair values did not materially differ from those used at the time of grant.
4.There were no other earnings paid on stock or option awards in the covered fiscal years prior to the vesting dates that were not otherwise included in total compensation.
        
Non-PEO NEO Average Total Compensation Amount $ 544,820 535,116 478,533 463,238 475,533
Non-PEO NEO Average Compensation Actually Paid Amount $ 547,125 516,577 469,810 404,421 514,543
Adjustment to Non-PEO NEO Compensation Footnote

A reconciliation of Summary Compensation Table Total amounts to amounts described as “Actually Paid” for each year in the Pay Versus Performance table above is presented in the following table.

                       Add: Change in       Less: Fair Value     
                   Add: Fair Value   Fair Value of       at End of Prior     
               Less: Stock   at Year-end of   Awards   Add: Change in   Year of any     
               Awards from   Stock Awards   Granted in   Fair Value of   Awards     
               Summary   Granted   any   Shares that   Granted     
               Compensation   During the   Prior Year   Vested as of   in a Prior Year     
               Table   Year that are   that are   the Vesting   that Failed to     
       Summary   Less:   Valued   Outstanding   Outstanding   Date as   Meet Vesting   Total 
       Compensation   Change in   Based on   and Unvested   and Unvested   Compared   Conditions   Compensation 
       Table   Pension   Fair Value at   at the End   at the End   to the End of   in the   Actually 
   Year   Total   Value   Grant Date   of the Year   of the Year   the Prior Year   Covered Year   Paid 
PEO  2025   1,049,149   -   118,394   108,595   42,544   21,615   8,779   1,094,730 
   2024   1,445,245   -   577,792   530,565   (25,918)  (14,682)  -   1,357,418 
   2023   1,225,587   -   132,301   127,088   (4,102)  3,321   -   1,219,593 
   2022   1,088,120   -   224,429   170,879   (21,457)  (6,693)  91,107   915,313 
   2021   1,109,193   -   213,754   278,883   45,198   9,222   25,653   1,203,089 
AVERAGE OF  2025   544,820   2,934   43,606   39,281   4,000   7,401   1,837   547,125 
NON-PEO  2024   535,116   -   64,702   59,478   (8,886)  (4,430)  -   516,577 
NEOs  2023   478,533   4,252   49,531   47,580   (1,448)  (1,071)  -   469,810 
   2022   463,238   -   85,869   65,197   (8,644)  (3,198)  26,303   404,421 
   2021   475,533   -   65,315   85,217   21,041   5,662   7,594   514,543 

Notes:

1.There were no stock awards that were granted and vested in the same year.
2.There were no modifications to stock-based awards during the years included in the table.
3.The valuation assumptions used to calculate equity award fair values did not materially differ from those used at the time of grant.
4.There were no other earnings paid on stock or option awards in the covered fiscal years prior to the vesting dates that were not otherwise included in total compensation.
        
Compensation Actually Paid vs. Total Shareholder Return        
Compensation Actually Paid vs. Net Income

       
Compensation Actually Paid vs. Company Selected Measure

       
Total Shareholder Return Vs Peer Group        
Tabular List, Table

A list of performance measures the Corporation considers the most important inputs for linking executive compensation with financial performance is as follows:

 

1.PPNR less NCOs (as described above)
2.PPNR less NCOs as a Percentage of Average Equity
3.PPNR less NCOs as a Percentage of Average Assets
4.Average Deposits, Excluding Brokered Deposits
5.Total Revenue on a Fully Taxable-Equivalent Basis, Excluding Securities Gains or Losses
6.Efficiency Ratio

 

In 2025, estimated total revenues, expenses and average deposits resulting from the Susquehanna acquisition, as well as merger-related expenses, were excluded from these measures.

 

Each of these performance measures is described in detail in the Compensation Discussion and Analysis section.

        
Total Shareholder Return Amount $ 132.32 115.22 131.21 126.52 138.06
Peer Group Total Shareholder Return Amount 149.15 139.3 115.54 119.65 142.91
Net Income (Loss) $ 23,427,000 $ 25,958,000 $ 24,148,000 $ 26,618,000 $ 30,554,000
Company Selected Measure Amount 39,559,000 32,821,000 32,637,000 36,746,000 40,933,000
PEO Name Mr. Scovill        
Income Tax Expense (Benefit) $ 5,216,000 $ 5,913,000 $ 6,335,000 $ 5,732,000 $ 7,133,000
Provision for Loan, Lease, and Other Losses 6,073,000 2,195,000 186,000 7,255,000 3,661,000
Adjustments To Reflect Net Interest Income On Fully Taxable Equivalent Basis 882,000 819,000 919,000 1,226,000 1,135,000
Gain (Loss) on Sale of Investments (38,000) 0 3,036,000 (20,000) (24,000)
Business Combination, Acquisition-Related Cost, Expense 7,940,000 0 0 0 0
Pre-tax Earnings Contribution (2,992,000) 0 0 0 0
Professional Fees Related to Contract Negotiation 647,000 0 0 0 0
Defined Benefit Plan, Benefit Obligation, (Increase) Decrease for Curtailment 0 (469,000) 0 0 0
Enhancement Fee Related to Purchase of Bank Owned Life Insurance, Before Tax 0 0 (2,100,000) 0 0
Broker Dealer Conversion, Professional Fees Expense 0 0 389,000 0 0
Pre Provision Net Revenue 41,155,000 34,416,000 32,913,000 40,811,000 42,459,000
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff (Recovery) (1,596,000) (1,603,000) (264,000) (4,177,000) (1,509,000)
Pre Provision Net Revenue Less Net Charge Offs 39,559,000 32,821,000 32,637,000 36,746,000 40,933,000
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Loan Purchased $ 21,000,000        
Measure:: 1          
Pay vs Performance Disclosure          
Name PPNR less NCOs        
Non-GAAP Measure Description (1)In 2025, the Corporation changed its Company-Selected Measure from Pre-Tax Pre-Provision Net Revenue less Net-Charge Offs as a percentage of Average Equity (PPNR-NCOs/Average Equity) to PPNR-NCOs

The Corporation has selected Pre-Tax Pre-Provision Net Revenue Less Net-Charge Offs compared to Budget as its “Company-Selected Measure,” meaning the most important measure the Corporation used in linking compensation actually paid in 2025 to company performance. The Corporation’s calculations of PPNR-NCOs reflect adjustments to earnings determined based on U.S. GAAP to eliminate amounts identified as “extraordinary occurrences” as described in the 2025 Annual Incentive Plan Award document. Reconciliation of the Corporation’s earnings under U.S. GAAP to the non-GAAP earnings amount included in PPNR-NCOs compared to Budget for each year included in the Pay Versus Performance table is presented in the following table.

   Year Ended December 31, 
(Dollars In Thousands)  2021   2022   2023   2024   2025 
Net Income  $30,554   $26,618   $24,148   $25,958   $23,427 
Add: Provision for income taxes   7,133    5,732    6,335    5,913    5,216 
Add:  Provision for credit losses   3,661    7,255    186    2,195    6,073 
Add: Adjustment to reflect net interest income on a fully taxable-equivalent basis   1,135    1,226    919    819    882 
Add (less): realized (gains) losses on available-for-sale debt securities   (24)   (20)   3,036    0    (38)
Add: merger-related expenses   0    0    0    0    7,940 
Less: Susquehanna pre-tax earnings contribution   0    0    0    0    (2,992)
Add: professional fees related to core system contract negotiation   0    0    0    0    647 
Less: curtailment gain on Postretirement Plan   0    0    0    (469)   0 
Less: enhancement fee included in noninterest income related to purchase of BOLI   0    0    (2,100)   0    0 
Add: professional fees expense related to broker-dealer conversion   0    0    389    0    0 
Pre-Provision Net Revenue (PPNR) - Non-GAAP  $42,459   $40,811   $32,913   $34,416   $41,155 
Net Charge-offs (NCOs) (1)  $(1,509)  $(4,177)  $(264)  $(1,603)  $(1,596)
PPNR Less Net Charge-offs  $40,933   $36,746   $32,637   $32,821   $39,559 
        
Measure:: 2          
Pay vs Performance Disclosure          
Name PPNR less NCOs as a Percentage of Average Equity        
Measure:: 3          
Pay vs Performance Disclosure          
Name PPNR less NCOs as a Percentage of Average Assets        
Measure:: 4          
Pay vs Performance Disclosure          
Name Average Deposits, Excluding Brokered Deposits        
Measure:: 5          
Pay vs Performance Disclosure          
Name Total Revenue on a Fully Taxable-Equivalent Basis, Excluding Securities Gains or Losses        
Measure:: 6          
Pay vs Performance Disclosure          
Name Efficiency Ratio        
PEO | Aggregate Change in Present Value of Accumulated Benefit for All Pension Plans Reported in Summary Compensation Table          
Pay vs Performance Disclosure          
Adjustment to Compensation, Amount
PEO | Aggregate Grant Date Fair Value of Equity Award Amounts Reported in Summary Compensation Table          
Pay vs Performance Disclosure          
Adjustment to Compensation, Amount (118,394) (577,792) (132,301) (224,429) (213,754)
PEO | Year-end Fair Value of Equity Awards Granted in Covered Year that are Outstanding and Unvested          
Pay vs Performance Disclosure          
Adjustment to Compensation, Amount 108,595 530,565 127,088 170,879 278,883
PEO | Year-over-Year Change in Fair Value of Equity Awards Granted in Prior Years That are Outstanding and Unvested          
Pay vs Performance Disclosure          
Adjustment to Compensation, Amount 42,544 (25,918) (4,102) (21,457) 45,198
PEO | Change in Fair Value as of Vesting Date of Prior Year Equity Awards Vested in Covered Year          
Pay vs Performance Disclosure          
Adjustment to Compensation, Amount 21,615 (14,682) 3,321 (6,693) 9,222
PEO | Prior Year End Fair Value of Equity Awards Granted in Any Prior Year that Fail to Meet Applicable Vesting Conditions During Covered Year          
Pay vs Performance Disclosure          
Adjustment to Compensation, Amount (8,779) (91,107) (25,653)
Non-PEO NEO | Aggregate Change in Present Value of Accumulated Benefit for All Pension Plans Reported in Summary Compensation Table          
Pay vs Performance Disclosure          
Adjustment to Compensation, Amount (2,934) (4,252)
Non-PEO NEO | Aggregate Grant Date Fair Value of Equity Award Amounts Reported in Summary Compensation Table          
Pay vs Performance Disclosure          
Adjustment to Compensation, Amount (43,606) (64,702) (49,531) (85,869) (65,315)
Non-PEO NEO | Year-end Fair Value of Equity Awards Granted in Covered Year that are Outstanding and Unvested          
Pay vs Performance Disclosure          
Adjustment to Compensation, Amount 39,281 59,478 47,580 65,197 85,217
Non-PEO NEO | Year-over-Year Change in Fair Value of Equity Awards Granted in Prior Years That are Outstanding and Unvested          
Pay vs Performance Disclosure          
Adjustment to Compensation, Amount 4,000 (8,886) (1,448) (8,644) 21,041
Non-PEO NEO | Change in Fair Value as of Vesting Date of Prior Year Equity Awards Vested in Covered Year          
Pay vs Performance Disclosure          
Adjustment to Compensation, Amount 7,401 (4,430) (1,071) (3,198) 5,662
Non-PEO NEO | Prior Year End Fair Value of Equity Awards Granted in Any Prior Year that Fail to Meet Applicable Vesting Conditions During Covered Year          
Pay vs Performance Disclosure          
Adjustment to Compensation, Amount $ (1,837) $ (26,303) $ (7,594)