Citizens & Northern Bank: Loan Portfolio
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Data as of · Call Report Schedule RC-C How we update
Citizens & Northern Bank reported all 18 line items on this page on its Q2 2026 filing. Total loans and leases was $2.35B in Q2 2026, up 22.4% from $1.92B in Q2 2025. That is 74.9% of its total assets. Across the 12 quarters shown it ranged from $1.83B (Q3 2023) to $2.39B (Q1 2026).
What the loan portfolio page covers and where each line comes from.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 12.58 percentage points lower than in Q1 2026, at 260.22%. Citizens & Northern Bank ranks 44th of 109 Pennsylvania banks on loan-to-deposit ratio, in the upper half at 90.16% (Q2 2026). At 90.16%, Citizens & Northern Bank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.35B |
| Net loans and leases | $2.32B |
| Loans held for sale | $5.0M |
| Loans to total assets | 74.89% |
| Loan-to-deposit ratio | 90.16% |
| Net loans to equity capital | 6.52% |
Source: Call Report Schedule RC-C; Total loans and leases: Call Report Schedule RC-C, Part I, item 12 (RCON2122). Open the filed call report for Q2 2026 on the FFIEC CDR.
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 38.70% |
| Multifamily (5+ residential) | 7.28% |
| Commercial and industrial | 8.35% |
| Consumer | 0.88% |
| Credit cards | 0.18% |
| Farm | 2.31% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.68% |
Source: Call Report Schedule RC-C. Open the filed call report for Q2 2026 on the FFIEC CDR.
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 260.22% |
| Construction concentration (Tier 1 capital + allowance) | 45.80% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Source: Call Report Schedule RC-C. Open the filed call report for Q2 2026 on the FFIEC CDR.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.29% |
| Interest income on loans | $37.3M |
Source: Call Report Schedule RC-C. Open the filed call report for Q2 2026 on the FFIEC CDR.
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.83B | $2.04B | 41.49% | 7.80% | 1.09% |
| Q4 2023 | $1.85B | $2.03B | 41.23% | 7.37% | 1.07% |
| Q1 2024 | $1.87B | $2.01B | 42.07% | 7.43% | 1.04% |
| Q2 2024 | $1.89B | $2.07B | 41.48% | 7.54% | 1.08% |
| Q3 2024 | $1.90B | $2.15B | 40.34% | 8.21% | 1.26% |
| Q4 2024 | $1.90B | $2.11B | 39.72% | 8.61% | 0.97% |
| Q1 2025 | $1.90B | $2.12B | 39.68% | 8.80% | 0.94% |
| Q2 2025 | $1.92B | $2.13B | 40.28% | 8.36% | 0.88% |
| Q3 2025 | $1.95B | $2.18B | 40.27% | 8.99% | 0.84% |
| Q4 2025 | $2.36B | $2.58B | 38.78% | 8.26% | 0.97% |
| Q1 2026 | $2.39B | $2.62B | 38.44% | 8.17% | 0.93% |
| Q2 2026 | $2.35B | $2.61B | 38.70% | 8.35% | 0.88% |
Citizens & Northern Bank loan portfolio, quarter by quarter
Loan Portfolio since Q2 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-C, 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)