Citizens & Northern Bank
Wellsboro, Pennsylvania, Tioga County
$3.1B in total assets, the 423rd largest of 4,309 US banks and 18th of 113 headquartered in Pennsylvania.
- FDIC certificate
- 7799
- Established
- 1864
- Owned by
- Citizens&northern Corp
- Primary regulator
- FED
- Website
- www.cnbankpa.com
At a glance
Compared with 36 banks headquartered in Pennsylvania with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $3.1B | 75% | $2.2B | |
| Loans | $2.4B | 75% | $1.6B | |
| Deposits | $2.6B | 81% | $1.8B | |
| Return on assets | 0.91% | 28% | 1.19% | |
| Net interest margin | 4.10% | 78% | 3.71% | |
| Efficiency ratio | 57.9% | 44% | 59.5% | |
| Equity to assets | 11.32% | 72% | 10.31% | |
| Loans to deposits | 90% | 53% | 89% |
Growth
Total assets grew 6.2% a year over the last 5 years and 10.0% a year over 10 years, including 3 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Oct 2025 | Susquehanna Community Bank West Milton, PA | $587M |
| Jul 2020 | Covenant Bank Doylestown, PA | $608M |
| Apr 2019 | Monument Bank Doylestown, PA | $376M |
| Sep 2010 | First State Bank Canisteo, NY, an affiliate under the same holding company | $53M |
| May 2007 | Citizens Trust Company Coudersport, PA | $144M |
| May 1990 | The First National Bank of East Smithfield East Smithfield, PA | $21M |
| Dec 1983 | The Farmers National Bank of Athens Athens, PA | n/a |
| Oct 1977 | Sullivan County National Bank Laporte, PA | n/a |
| May 1972 | The First National Bank of Ralston Ralston, PA | n/a |
| Oct 1971 | The Citizens National Bank and Trust Company of Towanda Towanda, PA | n/a |
Where they operate
35 branches in 14 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Bradford County, PA | $561M | 34.3% | 1 of 6 |
| Tioga County, PA | $471M | 39.1% | 2 of 3 |
| Bucks County, PA | $416M | 1.6% | 15 of 28 |
| Lycoming County, PA | $328M | 10.9% | 5 of 10 |
| Union County, PA | $297M | 26.1% | 2 of 9 |
| Sullivan County, PA | $126M | 66.7% | 1 of 2 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 9 branches since 2016 (26 to 35, +34.6%). 3 opened, 11 acquired, 5 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 26 | |||
| 2018 | Closed Ralston | 0 | 1 | −1 | 25 |
| 2019 | Acquired Monument Bank | 2 | 0 | +2 | 27 |
| 2020 | Acquired Covenant Bank | 2 | 0 | +2 | 29 |
| 2021 | Opened York | 1 | 0 | +1 | 30 |
| 2022 | Opened Lancaster and WayneClosed 3 in 2 states | 2 | 3 | −1 | 29 |
| 2024 | Closed Port Allegany | 0 | 1 | −1 | 28 |
| 2025 | Acquired Susquehanna Community Bank | 7 | 0 | +7 | 35 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 39% | 32% | |
| 1-4 family residential | 31% | 35% | |
| Business (C&I) | 8% | 10% | |
| Multifamily | 7% | 7% | |
| Construction and land | 7% | 6% | |
| Farmland | 2% | 3% | |
| Consumer | 1% | 3% | |
| Other | 5% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 56% | 54% | |
| Time deposits | 22% | 27% | |
| Noninterest-bearing | 22% | 19% |
Brokered deposits are 0.0% of deposits (peers 2.7%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.67% | 0.56% |
| Net charge-offs, annualized | 0.88% | 0.04% |
| Reserves to loans | 1.38% | 0.98% |
| Leverage ratio | 9.96% | 9.89% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Pennsylvania
Largest competitors in Bradford County, PA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/citizens-northern