CITIZENS & NORTHERN BANK

WELLSBORO, PA | Large | Est. Jan. 1, 1864, midnight | FDIC #7799 | RSSD #895710 | FED
Latest Report: 2025-12-31

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

Profitability

Return on Assets (ROA) 0.67%
Return on Equity (ROE) 5.92%
Net Interest Margin (NIM) 4.33%
Yield on Assets 6.22%
Cost of Funds 2.95%

Asset Quality

NPL Ratio 1.39%
Net Charge-Off Ratio 0.07%
Texas Ratio 8.64%
NPA Ratio 1.06%
ACL / Loans 1.32%

Capital & Liquidity

CET1 Ratio 12.59%
Tier 1 Capital 12.59%
Total Capital Ratio 13.82%
Leverage Ratio 9.66%
Loan-to-Deposit 91.14%

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