Citizens & Northern Bank
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Data as of · sourced from FFIEC call reports. How we update
Citizens & Northern Bank is an FDIC-insured commercial bank headquartered in Wellsboro, PA, established in 1864 (FDIC certificate 7799), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $3.14B, up 21.0% from Q2 2025, the 18th largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 12.85% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 7799
- Headquarters
- Wellsboro, PA
- Established
- 1864
- Total assets, Q2 2026
- $3.14B
- Assets vs Q2 2025
- +21.0%
- CET1 ratio, Q2 2026
- 12.85%
- Domestic offices
- 35 FDIC institution directory, current count
- Routing number
- 031308302
- Latest call report
- Q2 2026, FFIEC 051 · Citizens & Northern Bank call report
- Holding company
- CITIZENS & NORTHERN CORPORATION
- Asset rank in state
- 18th of 109 in Pennsylvania
Problem loans are rising at Citizens & Northern Bank. The Wellsboro, Pennsylvania bank had $3.1 billion in assets at June 30, 2026, up 21.0% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.67% of loans from 1.30% a year earlier. It grew its loan book 22.4% over the year, 3.8 times the median of 5.9% for the 895 banks with $1 billion to $10 billion in assets. It also carries problem assets equal to 12.5% of the capital and reserves that would absorb them, 3.5 times the median of 3.6% for banks its size.
Earnings jumped: net income for the quarter was $14 million, 122% above the same quarter a year earlier. The non-owner-occupied commercial real estate book ($559 million) is worsening: 2.70% of it is past due or on nonaccrual, up from 1.31% a year earlier.
As of June 30, 2026, Citizens & Northern Bank reported a CET1 capital ratio of 12.85%, a return on assets of 1.83%, a nonperforming-loan ratio of 1.70% and a Texas ratio of 12.54%. The figures come from its call report filed with the FFIEC.
Citizens & Northern Bank ranks as the 18th largest of the 109 banks based in Pennsylvania, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.3% to $3.14B, loans fell 1.5% and deposits fell 0.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 31.0% of total loans, ahead of non-owner-occupied commercial real estate loans at 23.8%. Its 35 offices in the FDIC Summary of Deposits are in 31 cities across 2 states; its Doylestown 2 offices book 12% of its branch deposits. On its Q2 2026 call report, Citizens & Northern Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 90 Main St, Wellsboro, PA 16901
- County
- Tioga
- Metro Area
- Williamsport, PA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1864
- Former names
- Citizens & Northern National Bank and Trust Company (1971-1975); Northern National Bank and Trust Company (1964-1971)
- Domestic offices
- 35 FDIC institution directory, current count
- Employees (FTE)
- 453
- Domestic deposits
- $2.61B
- Allowance for credit losses
- $32.6M
- Net charge-offs (YTD)
- $10.4M
- Average total assets
- $3.16B
- Average total loans
- $2.38B
- Average interest-bearing deposits
- $2.03B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 7799
- Fed RSSD
- 895710
- SEC CIK
- 810958 → filed by CITIZENS & NORTHERN CORPORATION
- Website
- www.cnbankpa.com →
- Parent Holding Company
- CITIZENS & NORTHERN CORPORATION (RSSD 1143623) · CZNC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Scovill J Bradley | CEO | PRESIDENT AND CEO |
| Mark A Hughes | CFO | EXEC. VP AND CFO |
| Alexander Balagour | CIO | EVP- CHIEF INFORMATION OFFICER |
| Stan R Dunsmore | CCO | EXEC. VP, CHIEF CREDIT OFFICER |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Citizens & Northern Bank's total assets moved between a low of $2.47B (Q3 2023) and a high of $3.15B (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$3.14B total assets against $2.60B; $2.79B total liabilities against $2.30B.
$2.32B net loans and leases against $1.90B; $2.61B total deposits against $2.13B.
$489.8M securities against $395.6M; $81.9M cash and balances due against $99.0M.
$41.5M total interest income against $32.4M; $11.6M total interest expense against $11.0M.
$29.9M net interest income against $21.4M.
$9.8M total noninterest income against $8.2M; $23.5M total noninterest expense against $19.1M.
-$1.8M provision for credit losses against $2.4M.
$14.5M net income against $6.5M.
1.83% return on assets against 1.00%; 4.10% net interest margin against 3.56%.
12.85% CET1 capital ratio against 14.05%; 9.96% tier 1 leverage ratio against 10.62%.
Inside the full Citizens & Northern Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Citizens & Northern Bank rankings
Its closest position to the top of a national ranking is 403 of 4,196, for total assets; its furthest is 1,459 of 2,134, for CET1 ratio.
Banks merged into Citizens & Northern Bank
- Susquehanna Community Bank, effective October 1, 2025
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.08% (Q1 2026) to 1.83% (Q2 2026) and its net interest margin ran from 3.35% (Q3 2024) to 4.10% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.85% | 1.83% | 1.70% | 12.54% | 4.10% |
| Q1 2026 | 12.24% | 0.08% | 1.76% | 13.72% | 3.94% |
| Q4 2025 | 12.59% | 0.61% | 1.40% | 10.69% | 3.91% |
| Q3 2025 | 13.98% | 1.04% | 1.38% | 9.89% | 3.70% |
| Q2 2025 | 14.05% | 1.00% | 1.31% | 9.66% | 3.56% |
| Q1 2025 | 14.15% | 1.02% | 1.27% | 9.36% | 3.38% |
| Q4 2024 | 14.11% | 1.27% | 1.26% | 9.51% | 3.36% |
| Q3 2024 | 13.85% | 1.01% | 1.29% | 9.62% | 3.35% |
Swipe the table sideways to see every column.
Branch Network
View all 35 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Doylestown Branch | Doylestown , PA | 18901 | $320.2M |
| Citizens & Northern Bank (main office) | Wellsboro , PA | 16901 | $200.0M |
| Williamsport Court St. Branch | Williamsport , PA | 17701 | $145.1M |
| Susquehanna Branch | West Milton , PA | 17886 | $133.9M |
| Sayre Branch | Sayre , PA | 18840 | $129.3M |
| Troy Branch | Troy , PA | 16947 | $125.9M |
| Towanda Branch | Towanda , PA | 18848 | $121.7M |
| East Buffalo Branch | Lewisburg , PA | 17837 | $120.1M |
| Newtown Branch | Newtown , PA | 18940 | $95.6M |
| Wysox Branch | Wysox , PA | 18854 | $88.8M |
| Dushore Branch | Dushore , PA | 18614 | $86.7M |
| Coudersport Branch | Coudersport , PA | 16915 | $83.4M |
| Hornell Branch | Hornell , NY | 14843 | $80.6M |
| Liberty Branch | Liberty , PA | 16930 | $73.0M |
| Old Lycoming Branch | Williamsport , PA | 17701 | $67.1M |
| Muncy Branch | Muncy , PA | 17756 | $61.7M |
| Athens Branch | Towanda , PA | 18848 | $58.3M |
| Tioga Branch | Tioga , PA | 16946 | $56.5M |
| Knoxville Branch | Knoxville , PA | 16928 | $52.9M |
| Mansfield Branch | Mansfield , PA | 16933 | $48.9M |
| Northumberland Branch | Northumberland , PA | 17857 | $48.1M |
| York Branch Office | York , PA | 17402 | $45.5M |
| Watsontown Branch | Watsontown , PA | 17777 | $44.9M |
| West Buffalo Branch | Mifflinburg , PA | 17844 | $42.6M |
| Elkland Branch | Elkland , PA | 16920 | $39.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 1, 2025 | Structure Change | Acquired Susquehanna Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2025 | M&A | Acquired Susquehanna Community Bank merger for the acquired bank | SEC |
| July 1, 2020 | M&A | Acquired Covenant Bank merger for the acquired bank | SEC |
| July 1, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2020 | Structure Change | Acquired Covenant Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2019 | M&A | Acquired Monument Bank merger for the acquired bank | SEC |
| April 1, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2019 | Structure Change | Acquired Monument Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 2010 | M&A | Acquired First State Bank merger for the acquired bank | SEC |
| September 1, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 2010 | Structure Change | Acquired First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2007 | M&A | Acquired Citizens Trust Company merger for the acquired bank | SEC |
| May 1, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2007 | Structure Change | Acquired Citizens Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 1990 | M&A | Acquired The First National Bank of East Smithfield merger for the acquired bank | SEC |
| May 1, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 1990 | Structure Change | Acquired The First National Bank of East Smithfield Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1984 | M&A | Acquired The Farmers National Bank of Athens merger for the acquired bank | SEC |
| January 1, 1984 | Structure Change | Acquired The Farmers National Bank of Athens Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 1983 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1977 | M&A | Acquired Sullivan County National Bank merger for the acquired bank | SEC |
| October 1, 1977 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1977 | Structure Change | Acquired Sullivan County National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 1972 | Structure Change | Acquired First National Bank of Ralston Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 1972 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 1972 | M&A | Acquired First National Bank of Ralston merger for the acquired bank | SEC |
| October 1, 1971 | M&A | Acquired Northern National Bank and Trust Company merger for the acquired bank | SEC |
| October 1, 1971 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1971 | Structure Change | Acquired Northern National Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 30 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in PA, rank 29 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,162 applications, 886 loans originated, $182.6M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $1.0M approved, $259K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Citizens & Northern Bank
What are Citizens & Northern Bank's total assets?
As of the Q2 2026 filing, Citizens & Northern Bank reported total assets of $3.14 billion in its FFIEC call report.
Where is Citizens & Northern Bank headquartered?
It is headquartered in Wellsboro, PA, United States.
When was Citizens & Northern Bank founded?
It was established in 1864, per the FDIC institution directory.
Is Citizens & Northern Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #7799). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens & Northern Bank?
Citizens & Northern Bank's primary federal regulator is the Federal Reserve.
What is Citizens & Northern Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.85% in its Q2 2026 call report, above regulatory requirements.
How many branches does Citizens & Northern Bank operate?
It operates 35 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens & Northern Bank's Texas Ratio?
Its Texas Ratio is 12.54% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Citizens & Northern Bank previously called?
The charter now named Citizens & Northern Bank has also operated as Citizens & Northern National Bank and Trust Company (1971-1975), Northern National Bank and Trust Company (1964-1971), per FDIC structure-change records.
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