Bank call report · Wellsboro, PA
Citizens & Northern Bank Call Report
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Citizens & Northern Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 485 reported line items, schedule by schedule (665 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 895710 |
| FDIC certificate number | 7799 |
| Total assets | $3.14B |
Official Q2 2026 call report PDF (FFIEC) →
Citizens & Northern Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (29 items)
About Schedule RC · Citizens & Northern Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $3.14B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $3.14B |
| Total Liabilities and Minority Interest | RCON2948 | $2.79B |
| Total Deposits | RCON2200 | $2.61B |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $2.35B |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $2.32B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $2.05B |
| Deposits: Noninterest-bearing | RCON6631 | $564.0M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $488.9M |
| Total Equity Capital | RCON3210 | $355.8M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $355.8M |
| Surplus | RCON3839 | $254.2M |
| Other Borrowed Money | RCON3190 | $144.7M |
| Other Assets | RCON2160 | $141.4M |
| Undivided Profits and Capital Reserves | RCON3632 | $122.7M |
| Intangible Assets | RCON2143 | $77.1M |
| Goodwill | RCON3163 | $63.3M |
| Interest-bearing Balances | RCON0071 | $56.0M |
| Allowance for Loan and Lease Losses | RCON3123 | $32.6M |
| Other Liabilities, Total | RCON2930 | $31.8M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $30.0M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $25.9M |
| Accumulated Other Comprehensive Income | RCONB530 | -$23.8M |
| Loans and Leases Held for Sale | RCON5369 | $5.0M |
| Common Stock | RCON3230 | $2.6M |
| Direct and Indirect Investments in Real Estate Ventures | RCON3656 | $1.5M |
| Equity securities with readily determinable fair values not held for trading | RCONJA22 | $881K |
| Securities Sold Under Agreements to Repurchase | RCONB995 | $383K |
| Other Real Estate Owned | RCON2150 | $181K |
Schedule RI: Income Statement (48 items)
About Schedule RI · Citizens & Northern Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $82.0M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $73.5M |
| Net Interest Income | RIAD4074 | $58.6M |
| Total Noninterest Expense | RIAD4093 | $46.0M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $41.9M |
| Salaries and Employee Benefits | RIAD4135 | $26.2M |
| Total Interest Expense | RIAD4073 | $23.4M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $21.6M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $18.9M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $18.9M |
| Total Noninterest Income | RIAD4079 | $18.0M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $15.1M |
| Net Income (Loss) | RIAD4340 | $15.1M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $15.1M |
| Other Noninterest Expense | RIAD4092 | $14.6M |
| Provision for Loan and Lease Losses | RIAD4230 | $11.9M |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $11.8M |
| Other Noninterest Income | RIADB497 | $7.6M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $6.8M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $6.4M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $5.4M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $5.2M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $4.8M |
| Applicable Income Taxes | RIAD4302 | $3.8M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $3.6M |
| Other Interest Expense | RIADGW44 | $3.5M |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $3.4M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $3.3M |
| Interest on Other Securities | RIAD4060 | $2.7M |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $2.5M |
| Amortization Expense and Impairment Losses Intangible Assets | RIADC232 | $1.6M |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $1.2M |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $1.0M |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $978K |
| Noninterest income: Income from insurance activities | RIADHT74 | $714K |
| Noninterest income: Fees and commissions from securities brokerage, investment banking, advisory, and underwriting activities | RIADHT73 | $690K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $674K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $438K |
| Net Servicing Fees | RIADB492 | $301K |
| Net Gains (Losses) Recognized in Earnings on Assets That Are Reported at Fair Value Option | RIADF551 | -$263K |
| Loans to Individuals for Households, Family, and Other Personal Expenditures: Credit Cards | RIADB485 | $143K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $128K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $90K |
| Realized Gains (Losses) on Available-for-sale Debt Securities | RIAD3196 | $26K |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | $24K |
| Unrealized holding gains (losses) on equity securities not held for trading | RIADHT70 | -$9K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | -$5K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 453 |
Schedule RC-B: Securities (34 items)
About Schedule RC-B · Citizens & Northern Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $59.1M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $56.5M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $519.8M |
| Pledged Securities | RCON0416 | $249.1M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $150.8M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $144.7M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $144.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $133.2M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $131.9M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $98.8M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $85.1M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $78.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $48.8M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $40.1M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $38.9M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $38.1M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $37.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $36.7M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $31.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $31.7M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK152 | $13.4M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK153 | $12.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $12.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $11.5M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $10.8M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $10.0M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $8.0M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Fair Value | RCONHT61 | $8.0M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Amortized Cost | RCONHT60 | $8.0M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $7.8M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $7.4M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $6.9M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $802K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $9K |
Schedule RC-C, Part I: Loans and Leases (35 items)
About Schedule RC-C, Part I · Citizens & Northern Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $2.35B |
| Pledged Loans and Leases | RCONG378 | $1.65B |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $589.0M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $559.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $450.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $423.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $423.0M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $403.3M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $351.8M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $308.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $238.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $231.2M |
| Commercial and Industrial Loans | RCON1766 | $196.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $182.0M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $171.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $122.5M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $122.0M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $106.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $95.3M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $86.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $59.0M |
| Real Estate Loans Secured by Farmland | RCON1420 | $54.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $53.0M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $34.0M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $33.4M |
| Other Loans | RCONJ464 | $24.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $23.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $12.3M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $6.8M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $6.1M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Credit Cards | RCONB538 | $4.2M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $3.6M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $3.3M |
| Revolving, open-end lines of credit secured by 1-4 family residential properties that have converted to non-revolving closed-end status that are included in item 1.c(1) above | RCONLE75 | $1.9M |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $371K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $191.9M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $57.1M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $35.6M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $19.5M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $18.8M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $11.3M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $7.5M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $5.8M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $1.8M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $1.7M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $868K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $799K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 976 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 499 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 288 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 254 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 235 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 223 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 109 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 57 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 48 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 39 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 9 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 5 |
Schedule RC-E: Deposit Liabilities (30 items)
About Schedule RC-E · Citizens & Northern Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $1.33B |
| Total Transaction Accounts | RCON2215 | $1.29B |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $1.22B |
| Total Demand Deposits (See Note Below) | RCON2210 | $1.11B |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $1.09B |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $410.0M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $342.2M |
| Total reciprocal deposits | RCONJH83 | $303.1M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $267.0M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $216.7M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $216.7M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $202.1M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $190.6M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $189.8M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $181.4M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $152.0M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $150.4M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $128.7M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $102.5M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $90.0M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $74.7M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $74.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $60.5M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $47.7M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $21.9M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $15.7M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $9.5M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $4.0M |
| Estimated Amount of Deposits Obtained Through the Use of Deposit Listing Services That Are Not Brokered Deposits | RCONK223 | $3.8M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $1K |
Schedule RC-F: Other Assets (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $59.3M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $28.1M |
| Other Assets | RCON2168 | $21.7M |
| Net Deferred Tax Assets | RCON2148 | $18.6M |
| Accrued Interest Receivable | RCONB556 | $10.9M |
| Prepaid Expenses | RCON2166 | $5.7M |
| Life Insurance Assets: Hybrid Account Life Insurance Assets | RCONK270 | $2.8M |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $18.6M |
| Other Expenses Accrued and Unpaid | RCON3646 | $11.9M |
| Deferred Compensation Liabilities | RCONC011 | $10.8M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $844K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $437K |
Schedule RC-K: Quarterly Averages (18 items)
About Schedule RC-K · Citizens & Northern Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $3.16B |
| Quarterly Average of Total Loans | RCON3360 | $2.38B |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $1.28B |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $761.7M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $748.6M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $697.0M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $375.1M |
| Mortgage-backed Securities | RCONB559 | $307.2M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $204.6M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $196.6M |
| All Other Securities | RCONB560 | $192.8M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $167.5M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $25.7M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $18.9M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $16.7M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards | RCONB561 | $4.4M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $3.5M |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $429K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (11 items)
About Schedule RC-L · Citizens & Northern Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $249.2M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $129.5M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $106.0M |
| Performance Standby Letters of Credit | RCON3821 | $55.8M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $46.0M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $39.6M |
| All Other Off-balance Sheet Liabilities | RCON3430 | $21.6M |
| Standby Letters of Credit Issued by a Federal Home Loan Bank on the Bank's Behalf | RCONC978 | $21.6M |
| Unused Commitments - Credit Card Lines | RCON3815 | $19.0M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $15.0M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $6.4M |
Schedule RC-M: Memoranda (11 items)
About Schedule RC-M · Citizens & Northern Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $81.4M |
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $63.3M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $63.3M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $13.5M |
| All other intangible assets | RCONJF76 | $9.9M |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $3.9M |
| Mortgage Servicing Assets | RCON3164 | $3.9M |
| Cost of equity securities with readily determinable fair values not held for trading | RCONJA29 | $1.0M |
| All Other Real Estate Owned: Nonfarm Nonresidential Properties in Domestic Offices | RCON5512 | $156K |
| All Other Real Estate Owned: 1-4 Family Residential Properties in Domestic Offices | RCON5510 | $25K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 5 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (31 items)
About Schedule RC-N · Citizens & Northern Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $39.7M |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $15.1M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $7.0M |
| Other Construction Loans and All Land Development and Other Land Loans, Nonaccrual | RCONF177 | $6.2M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $6.2M |
| Additions to Nonaccrual Assets | RCONC410 | $5.3M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $5.0M |
| Other Construction Loans and All Land Development and Other Land Loans, Past Due 31 - 89 Days | RCONF173 | $3.0M |
| 1-4 Family Residential Construction Loans, Nonaccrual | RCONF176 | $2.2M |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Multifamily (5 or More) Residential Properties - Nonaccrual | RCON3501 | $2.0M |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $1.9M |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Past Due 30 Through 89 Days and Still Accruing | RCON3493 | $1.7M |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Nonaccrual | RCONK038 | $1.7M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $1.2M |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' : Nonaccrual | RCONK041 | $759K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $724K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $648K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $346K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Past Due 90 Days or More and Still Accruing | RCON3494 | $333K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Nonaccrual | RCON3495 | $181K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $180K |
| All Other Loans - Past Due 30 Through 89 Days and Still Accruing | RCON5459 | $153K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $150K |
| All Other Loans - Nonaccrual | RCON5461 | $94K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $67K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards - Past Due 30 Through 89 Days and Still Accruing | RCONB575 | $62K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-nonaccural | RCONC230 | $59K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $50K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC238 | $29K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards - Past Due 90 Days or More and Still Accruing | RCONB576 | $13K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCONK215 | $3K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (14 items)
About Schedule RC-O · Citizens & Northern Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $3.16B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $2.61B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $1.64B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $893.9M |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $820.2M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $302.4M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $72.0M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $3.0M |
| Total Allowable Exclusions, Including Interest Accrued and Unpaid on Allowable Exclusions (Including Foreign Deposits) | RCONF237 | $2.2M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 86,359 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 3,284 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 1,541 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 10 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-P: 1-4 Family Residential Mortgage Banking Activities (2 items)
Schedule RC-R: Regulatory Capital (2 items)
About Schedule RC-R · Citizens & Northern Bank regulatory capital trends
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (26 items)
About Schedule RC-R, Part I · Citizens & Northern Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $3.16B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $3.09B |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $2.40B |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $355.8M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $338.1M |
| Common Equity Tier 1 Capital | RCOAP859 | $308.1M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $308.1M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $308.1M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $256.8M |
| Retained Earnings | RCOAKW00 | $122.7M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $71.4M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $63.3M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $30.0M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $30.0M |
| Tier 2 Capital Before Deductions | RCOAP870 | $30.0M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$24.1M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$23.8M |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $7.9M |
| Less: Amounts Recorded in AOCI Attributed to Defined Benefit Postretirement Plans Resulting from the Initial and Subsequent Application of the Relevant GAAP Standards That Pertain to Such Plans (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP847 | $323K |
| Deferred Tax Assets (DTAS) That Arise from Net Operating Loss and Tax Credit Carryforwards, Net of Any Related Valuation Allowances and Net of Dtls | RCOAP843 | $263K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.141 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1285 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1285 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.0997 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.061 |
Schedule RC-R, Part II: Risk-Weighted Assets (83 items)
About Schedule RC-R, Part II · Citizens & Northern Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $2.40B |
| Total Risk-weighted Assets | RCONG641 | $2.40B |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $1.86B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $1.86B |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $1.77B |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $1.53B |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $1.44B |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $782.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $760.3M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $759.7M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $634.9M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $489.8M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $454.9M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $451.6M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $398.8M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $380.2M |
| Off-balance Sheet Securitization Exposures - Adjustments to Total Reported in Column a | RCONS496 | $289.6M |
| Total Off-balance Sheet Securitization Exposures | RCONS495 | $289.6M |
| Unconditionally Cancellable Commitments | RCONS540 | $289.3M |
| Total All Other Assets | RCOND981 | $250.2M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $147.5M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $142.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $136.9M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $126.3M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $118.3M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $91.0M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 50 Pct Risk Weight Category | RCONS461 | $86.7M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over One Year Through Five Years | RCONS583 | $82.7M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $81.9M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $73.6M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $63.2M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $63.2M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $62.8M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $59.2M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount | RCOND997 | $55.8M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $47.8M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $46.4M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - One Year or Less | RCONS582 | $41.7M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $41.0M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $33.1M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $32.4M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $30.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $30.9M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $30.9M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$30.9M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount | RCOND998 | $27.9M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $20.1M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Credit Non--investment Grade Reference Asset - Over One Year Through Five Years | RCONS592 | $20.1M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $19.1M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 0 Pct Risk Weight Category | RCOND999 | $18.2M |
| Off-balance Sheet Securitization Exposures - Gross-up Risk Weight Exposure, by Calculation Method | RCONS499 | $12.6M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $11.9M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $11.8M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $11.8M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | $10.1M |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $9.7M |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $7.7M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 100 Pct Risk Weight Category | RCONG605 | $7.1M |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $6.4M |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $6.4M |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $6.4M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over Five Years | RCONS584 | $5.1M |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS416 | $5.0M |
| Total Loans and Leases Held for Sale, Residential Mortgage Exposures | RCONS413 | $5.0M |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $3.9M |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $3.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $3.9M |
| Over-the-counter Derivatives - Credit Equivalent Amount | RCONS542 | $3.6M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Exposure Amount | RCONH296 | $2.8M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Risk-weighted Asset Amount | RCONH297 | $2.8M |
| Total Balance Sheet Assets - Other Risk Weighting Approaches Exposure Amount | RCONH300 | $2.8M |
| Amount of allowances for credit losses on purchased credit-deteriorated assets - Loans and leases held for investment | RCONJJ30 | $2.4M |
| Over-the-counter Derivatives - 100 Pct Risk Weight Category | RCONS547 | $2.3M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 20 Pct Risk Weight Category | RCONG603 | $1.9M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 20 Pct Risk Weight Category | RCONS452 | $1.5M |
| Over-the-counter Derivatives - 20 Pct Risk Weight Category | RCONS545 | $1.4M |
| Current Credit Exposure Across All Derivative Contracts Covered by the Regulatory Capital Rules | RCONG642 | $1.1M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 50 Pct Risk Weight Category | RCONG604 | $662K |
| Repo-style Transactions - Credit Equivalent Amount | RCONS516 | $390K |
| Repo-style Transactions - Face, Notional, or Other Amount | RCONS515 | $390K |
| Repo-style Transactions - 0 Pct Risk Weight Category | RCONS517 | $383K |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 20 Pct Risk Weight Category | RCONS441 | $193K |
| Repo-style Transactions - 100 Pct Risk Weight Category | RCONS522 | $7K |
Schedule RC-T: Fiduciary and Related Services (35 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Fiduciary Accounts - Managed Assets | RCONB894 | $1.11B |
| Investment Management Agency Accounts - Managed Assets | RCONB886 | $533.1M |
| Total Fiduciary Accounts - Non-managed Assets | RCONB895 | $306.5M |
| Employee Benefit-defined Contribution - Non-managed Assets | RCONB873 | $296.6M |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Managed Assets | RCONJ259 | $233.6M |
| Other Retirement Accounts - Managed Assets | RCONB880 | $233.6M |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Managed Assets | RCONJ255 | $163.8M |
| Personal Trust and Agency Accounts - Managed Assets | RCONB868 | $160.8M |
| Custody and Safekeeping Accounts - Non-managed Assets | RCONB898 | $142.0M |
| Employee Benefit-defined Benefit - Managed Assets | RCONB876 | $13.3M |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Non-managed Asset | RCONJ260 | $11.1M |
| Personal Trust and Agency Accounts - Non-managed | RCONB869 | $9.9M |
| Income from Fiduciary Activities | RIAD4070 | $4.3M |
| Fiduciary and Related Services Income-investment Management and Investment Advisory Agency Accounts | RIADJ315 | $1.4M |
| Employee Benefit-defined Contribution - Managed Assets | RCONB872 | $1.2M |
| Other Retirement Accounts | RIADB907 | $842K |
| Personal Trust and Agency Accounts | RIADB904 | $629K |
| Employee Benefit-defined Contribution | RIADB905 | $588K |
| Fiduciary and Related Services Income-foundation and Endowment Trust and Agency Accounts | RIADJ316 | $535K |
| Other Fiduciary and Related Services Income | RIADB910 | $213K |
| Custody and Safekeeping Accounts | RIADB909 | $86K |
| Employee Benefit-defined Benefit | RIADB906 | $35K |
| Total Fiduciary Accounts - Number of Managed Accounts | RCONB896 | 1,562 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Managed Accounts | RCONJ261 | 747 |
| Other Retirement Accounts - Number of Managed Accounts | RCONB882 | 747 |
| Investment Management Agency Accounts - Number of Managed Accounts | RCONB888 | 481 |
| Personal Trust and Agency Accounts - Number of Managed Accounts | RCONB870 | 224 |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Number of Managed Accounts | RCONJ257 | 105 |
| Custody and Safekeeping Accounts - Number of Non-managed Accounts | RCONB899 | 100 |
| Total Fiduciary Accounts - Non-managed Accounts | RCONB897 | 88 |
| Employee Benefit-defined Contribution - Number of Non-managed Accounts | RCONB875 | 82 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Non-managed Accounts | RCONJ262 | 26 |
| Personal Trust and Agency Accounts - Number of Non-managed Accounts | RCONB871 | 6 |
| Employee Benefit-defined Benefit - Number of Managed Accounts | RCONB878 | 4 |
| Employee Benefit-defined Contribution - Number of Managed Accounts | RCONB874 | 1 |
Schedule RI-A: Changes in Bank Equity Capital (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $355.8M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $351.1M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $351.1M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $9.9M |
| Other Comprehensive Income | RIADB511 | -$1.2M |
| Sale, Conversion, Acquisition, or Retirement of Capital Stock, Net (Excluding Treasury Stock Transactions) | RIADB509 | $650K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (12 items)
About Schedule RI-B, Part I · Citizens & Northern Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $11.1M |
| Loans Secured by Other Nonfarm Nonresidential Properties: Charge-offs | RIADC897 | $10.3M |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $728K |
| Loans Secured by Other Nonfarm Nonresidential Properties: Recoveries | RIADC898 | $675K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $375K |
| Charge-offs on Loans Secured by Multifamily (5 or More) Residential Properties | RIAD3588 | $144K |
| Other Construction Loans and All Land Development and Other Land Loans, Charge-offs | RIADC893 | $116K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $109K |
| Charge-offs on Loans to Credit Cards | RIADB514 | $81K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $51K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $1K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · Citizens & Northern Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $32.6M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $31.0M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $11.1M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | -$184K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (14 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $2.35B |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $1.14B |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $724.5M |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $311.0M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $156.1M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $32.6M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $20.0M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $16.5M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $4.5M |
| Loans and Leases, Held for Investment, Credit cards, Amortized Cost | RCONJJ08 | $4.2M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $4.2M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $3.5M |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $280K |
| Loans and Leases, Held for Investment, Credit cards, Allowance Balance | RCONJJ16 | $134K |
Schedule SU: Supplemental Information (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Outstanding Principal Balance of Closed End 1-4 Family Residential Mortgage Loans Serviced for Others Plus the Total Outstanding Principal Balance of Other Financial Assets Serviced for Others If More Than $10 Million | RCONFT12 | $454.6M |
| Total Outstanding Principal Balance of Assets Sold by the Reporting Institution with Recourse or Other Seller Provided Credit Enhancements, But Not Securitized by the Reporting Institution | RCONFT10 | $289.6M |
| Total Gross Notional Amount of All Other Derivatives Not Held for Trading | RCONFT02 | $20.1M |
| Aggregate Amount of Fair Value Option Assets | RCONHK18 | $3.9M |
Citizens & Northern Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Citizens & Northern Bank call report?
The Citizens & Northern Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Citizens & Northern Bank file?
Citizens & Northern Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Citizens & Northern Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Citizens & Northern Bank has Federal Reserve RSSD ID 895710 and FDIC certificate number 7799. Either one finds its filings on the FFIEC Central Data Repository.
How often does Citizens & Northern Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Citizens & Northern Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 7799) · FFIEC NIC profile (RSSD 895710)