Citizens & Northern Corporation
Returns on Capital
| Fiscal Year | ROE | ROI | ROA |
|---|---|---|---|
| FY2009 | -25.8% | -25.8% | — |
| FY2010 | 13.7% | 6.6% | 1.4% |
| FY2011 | 14.0% | 8.0% | 1.8% |
| FY2012 | 12.4% | 8.5% | 1.8% |
| FY2013 | 10.4% | 7.4% | 1.5% |
| FY2014 | 9.1% | 6.5% | 1.4% |
| FY2015 | 8.8% | 7.3% | 1.3% |
| FY2016 | 8.5% | 7.0% | 1.3% |
| FY2017 | 7.1% | 6.8% | 1.1% |
| FY2018 | 11.2% | 9.4% | 1.7% |
| FY2019 | 8.0% | 8.0% | 1.2% |
| FY2020 | 6.4% | 6.4% | 0.9% |
| FY2021 | 10.1% | 10.1% | 1.3% |
| FY2022 | 10.7% | 10.7% | 1.1% |
| FY2023 | 9.2% | 9.2% | 1.0% |
| FY2024 | 9.4% | 9.4% | 1.0% |
| FY2025 | 6.9% | 6.9% | 0.7% |