CITIZENS & NORTHERN BANK is aln large FDIC-insured commercial bank headquartered in WELLSBORO, PA, established in Jan. 1, 1864, midnight. As of 2025-12-31, the bank reported total assets of $3.1B and total deposits of $2.6B. Profitability stands at 0.67% ROA and 5.92% ROE, with a net interest margin of 4.33%. The bank's CET1 capital ratio is 12.59%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.39% and a Texas Ratio of 8.64%. FDIC Certificate #7799.
Assets
$3.1B
Deposits
$2.6B
Loans
$2.4B
Equity
$351M
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