Citizens & Northern Bank
Wellsboro, PA
IDRSSD: 895710
Total Assets
$3.12B
Latest filing
Total Deposits
$2.58B
Latest filing
Net Interest Margin
4.36%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Citizens & Northern Bank
90 Main St
Wellsboro, PA 16901
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1864FDIC Certificate 5029
Branches (34)
Page 1 of 5| Name | Address | City / State |
|---|---|---|
| Citizens & Northern Bank (Main) | 90 Main St | Wellsboro, PA |
| HORNELL BRANCH | 6250 County Route 64 | Hornell, NY |
| SAYRE BRANCH | 1827 Elmira St | Sayre, PA |
| DUSHORE BRANCH | 111 W. Main Street | Dushore, PA |
| WYSOX BRANCH | 1467 Golden Mile Rd | Wysox, PA |
| TROY BRANCH | 64 Elmira St | Troy, PA |
| ELKLAND BRANCH | 104 Main Street | Elkland, PA |
| KNOXVILLE BRANCH | 102 East Main Street, Route 49 | Knoxville, PA |
Showing 7 of 34
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1864 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 16901 |
| State and County Number | 42117 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 03 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 379 |
| Domestic Offices | 28 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 10/01/2025 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.cnbankpa.com |
| Data Updated | 01/30/2026 |
| CERT | 7799 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $3.12B |
| Total Deposits | $2.58B |
| Total Liabilities | $2.77B |
| Total Equity Capital | $351.13M |
| Net Income | $4.84M |
| Net Loans and Leases | $2.32B |
| Assets Per Employee ($Millions) | $6.79M |
| Bank Premises and Fixed Assets | $31.33M |
| Cash and Balances due from Depository Institutions | $45.59M |
| Deposits Held in Domestic Offices | $2.58B |
Key Performance Ratios
| Return on Assets (ROA) | 0.67% |
| Return on Equity (ROE) | 5.92% |
| Net Interest Margin | 4.36% |
| Efficiency Ratio | 78.25% |
| Tier 1 Risk-Based Capital Ratio | 12.597% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.18% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.247% |
| Earning Assets to total Assets | 91.17% |
Income and Expense
| Total Interest Income | $41.32M |
| Total Noninterest Income | $8.38M |
| Total Interest Expense | $12.59M |
| Total Noninterest Expense | $29.91M |
| Net Interest Income | $28.72M |
| Pre-tax Net Operating Income | $5.87M |
| Provision for Credit Losses | $1.32M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $189.00k |
| Other borrowed funds | $147.94M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $1.62M |
| All Other Liabilities | $36.26M |
| Total Liabilities and Capital | $3.12B |
Securities
| Securities | $498.01M |
| Available-for-sale debt securities | $497.12M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens & Northern Bank?
$3.12B as of the latest filing.
How much are Citizens & Northern Bank's total deposits?
$2.58B in total deposits.
Where is Citizens & Northern Bank located?
Wellsboro, PA.
What is the Net Interest Margin?
4.36%.
How many domestic offices does it operate?
28.
When was it established?
01/01/1864.
What is the Return on Assets (ROA)?
0.67%.
How much are total loans and leases?
$2.32B (latest filing).
What is the total interest income (latest filing)?
$41.32M.