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Citizens & Northern Bank
Wellsboro, PA · FDIC Certificate #7799 · Chartered 01/0
Total assets
$3.14B
Total deposits
$2.61B
Total equity
$355.79M
Net loans
$2.32B
Branches (offices)
35
Net income (YTD)
$15.10M
Rank: #411 of 4,213 U.S. banks by assets · #18 of 109 in Pennsylvania. Assets changed 21.0% and deposits 22.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.96% |
| Return on equity | 8.61% |
| Net interest margin (YTD) | 4.10% |
| Equity to assets | 11.32% |
| Tier 1 leverage ratio | 9.96% |
| Uninsured deposits (share of deposits) | 31.4% |
| Noncurrent loans (share of loans) | 1.70% |
| Net charge-offs (share of loans) | 0.88% |
| Loans to deposits | 88.9% |
| Real estate loans (share of loans) | 87.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.02B | 87.1% | |
| Commercial & industrial | $196.61M | 8.5% | |
| Consumer / individual | $20.70M | 0.9% | |
| Construction & development | $156.06M | 6.7% | |
| Agricultural | $3.35M | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.39B | $1.98B | $15.18M | $264.79M |
| Jun 2023 | $2.46B | $2.03B | $13.21M | $258.97M |
| Jun 2024 | $2.58B | $2.07B | $12.09M | $273.67M |
| Jun 2025 | $2.60B | $2.13B | $13.12M | $295.90M |
| Jun 2026 | $3.14B | $2.61B | $15.10M | $355.79M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Pennsylvania | $2.53B | 34 |
| New York | $80.65M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.61B.
Similar-sized banks
Centreville Bank ($3.15B) · Amboy Bank ($3.12B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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