Citizens & Northern Bank: Deposit Base
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Data as of · Call Report Schedules RC-E and RC-O How we update
On its Q2 2026 filing, Citizens & Northern Bank reported 22 of the 23 line items on this page. It did not report foreign office deposits. Total deposits was $2.61B in Q2 2026, up 22.7% from $2.13B in Q2 2025. That is 83.1% of its total assets. Across the 12 quarters shown it ranged from $2.01B (Q1 2024) to $2.62B (Q1 2026).
What the deposit base page covers and where each line comes from.
Open the full liquidity and funding analysis: liquid assets and unrealized securities losses, loans against deposits, the uninsured, brokered and borrowed share of funding, the cost of funds and capital headroom, by quarter with asset-tier medians.
Loans and leases to core deposits dropped 1.53 percentage points in Q2 2026, from 99.26% to 97.73%. It was the largest change from Q1 2026 among the key lines here. Within Pennsylvania, Citizens & Northern Bank is 16th of 109 on total deposits, $2.61B as of Q2 2026. Against a median of $1.67B for banks in the $1B-10B asset tier, Citizens & Northern Bank reported $2.61B on total deposits in Q2 2026, 56% higher.
Deposit totals
| Line item | Q2 2026 |
|---|---|
| Total deposits | $2.61B |
| Domestic office deposits | $2.61B |
| Foreign office deposits | — |
| Deposits to total assets | 83.06% |
| Deposits to total liabilities | 93.66% |
Source: Call Report Schedules RC-E and RC-O; Total deposits: Call Report Schedule RC, item 13.a (RCON2200). Open the filed call report for Q2 2026 on the FFIEC CDR.
Deposit composition
| Line item | Q2 2026 |
|---|---|
| Demand deposits | $1.11B |
| Savings deposits | $342.2M |
| Transaction accounts to domestic deposits | 49.23% |
| Time deposits | $22K |
| Time deposits under $100k | $181.4M |
| Time deposits $100k to $250k | $189.8M |
| Time deposits over $250k | $202.1M |
| Noninterest-bearing share of deposits | 21.61% |
Source: Call Report Schedules RC-E and RC-O. Open the filed call report for Q2 2026 on the FFIEC CDR.
Stability of funding
| Line item | Q2 2026 |
|---|---|
| Core deposits | $2.41B |
| Core deposits to total deposits | 92.26% |
| Insured deposits | $1.79B |
| Uninsured deposits | $820.2M |
| Uninsured deposits to total deposits | 31.42% |
| Brokered deposits | $0 |
| Brokered deposits to total deposits | 0.00% |
Source: Call Report Schedules RC-E and RC-O. Open the filed call report for Q2 2026 on the FFIEC CDR.
Cost of deposits
| Line item | Q2 2026 |
|---|---|
| Cost of interest-bearing deposits | 1.93% |
| Interest expense on deposits | $9.8M |
| Loans and leases to core deposits | 97.73% |
Source: Call Report Schedules RC-E and RC-O. Open the filed call report for Q2 2026 on the FFIEC CDR.
Deposit Base trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Uninsured deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|---|
| Q3 2023 | $2.04B | 90.10% | 29.55% | 3.06% | 1.92% |
| Q4 2023 | $2.03B | 90.23% | 29.16% | 3.17% | 2.26% |
| Q1 2024 | $2.01B | 89.76% | 28.23% | 3.45% | 2.35% |
| Q2 2024 | $2.07B | 89.72% | 29.20% | 2.87% | 2.44% |
| Q3 2024 | $2.15B | 90.13% | 30.46% | 2.09% | 2.62% |
| Q4 2024 | $2.11B | 90.55% | 29.97% | 1.14% | 2.62% |
| Q1 2025 | $2.12B | 90.57% | 29.31% | 1.04% | 2.38% |
| Q2 2025 | $2.13B | 91.04% | 30.51% | 0.24% | 2.31% |
| Q3 2025 | $2.18B | 91.01% | 31.89% | 0.23% | 2.32% |
| Q4 2025 | $2.58B | 91.51% | 31.38% | 0.15% | 2.42% |
| Q1 2026 | $2.62B | 91.79% | 32.66% | 0.03% | 1.98% |
| Q2 2026 | $2.61B | 92.26% | 31.42% | 0.00% | 1.93% |
Citizens & Northern Bank deposit base, quarter by quarter
Deposit Base since Q2 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC-E and RC-O, Q2 2026. How these pages are built. See the full Citizens & Northern Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7799) · FFIEC NIC profile (RSSD 895710)