Citizens & Northern Bank

FDIC-insured bank with its head office in Wellsboro, Pennsylvania, established in 1864 according to the FDIC.

Citizens & Northern Bank reported total assets of $3.1 bn at Q2 2026, up 21.0% on a year earlier, the 405th largest of 497 banks in our US coverage. The CET1 capital ratio at Citizens & Northern Bank was 12.85%, and the uninsured share of Citizens & Northern Bank was 31.42%. Source: FDIC Call Reports.

Key takeaways

  • On efficiency ratio, Citizens & Northern Bank climbed from 406th to 291st among 500 US banks between and (1 = lowest; FDIC Call Reports).
  • Since , Citizens & Northern Bank has taken over 3 institutions; the latest was Susquehanna Community Bank on (FDIC Call Reports).
  • Citizens & Northern Bank has one of the highest net charge-offs to average loans readings among banks of $1 bn to $10 bn: 0.88% at , against a median of 0.06% across 339 banks (FDIC Call Reports).
Total assets
$3.1 bn
+21.0% on a year earlier
Rank 405 of 497 1 = highest
CET1 capital ratio
12.85%
-1.20 pp on a year earlier
Rank 247 of 448 1 = highest
Return on equity
8.61%
-0.41 pp on a year earlier
Rank 394 of 500 1 = highest
Uninsured share of deposits
31.42%
+0.91 pp on a year earlier
Rank 291 of 500 1 = highest

What sets Citizens & Northern Bank apart

How large is Citizens & Northern Bank?

The balance sheet of Citizens & Northern Bank at : assets $3.1 bn, deposits $2.6 bn, net loans $2.3 bn (loans equal to 88.92% of deposits). Securities make up 15.6% of total assets at Citizens & Northern Bank. Since , when Citizens & Northern Bank held $1.2 bn, its assets grew 161.3%. In the year to , deposits at Citizens & Northern Bank rose 22.7% while its total assets rose 21.0%. At , Citizens & Northern Bank employed 453 full-time equivalent staff across 35 offices, about $6.9 mn of assets per employee and $74.6 mn of deposits per office.

How much funding at Citizens & Northern Bank is uninsured?

At Citizens & Northern Bank, uninsured deposits (above the FDIC limit) made up 31.42% of domestic deposits at (+0.91 pp on a year earlier); Citizens & Northern Bank ranks 291st of 500 on this measure. In dollars, Citizens & Northern Bank estimated $820.2 mn of uninsured deposits.

Key facts, Q2 2026

MetricValueChange from a year earlierUS rank
Total deposits$2.6 bn+22.7%402nd of 499
Net loans and leases$2.3 bn+22.1%391st of 500
Loan-to-deposit ratio88.92%-0.45 pp214th of 500
Tier 1 leverage ratio9.96%-0.66 pp304th of 500
Total risk-based capital ratio14.10%-1.11 pp237th of 448
Net interest margin4.10%+0.58 pp117th of 500
Return on assets (ROA)0.96%-0.05 pp401st of 500
Efficiency ratio57.94%-8.53 pp291st of 500 (1 = lowest)
Unrealized gain/loss on available-for-sale securitiesLoss of $30.9 mnNarrowed by $8.4 mn
Noncurrent loans to total loans1.70%+0.39 pp444th of 500 (1 = lowest)
Net charge-offs to average loans0.88%+0.81 pp465th of 500 (1 = lowest)

US rank of Citizens & Northern Bank: 1 = highest unless marked 1 = lowest.

Balance sheet

Citizens & Northern Bank: assets, deposits and loans

USD bn
Total assets, deposits and net loans of Citizens & Northern Bank each quarter; total assets were $3.1 bn at Q2 2026$547mn$1.2bn$1.9bn$2.6bn$3.3bn20182020202220242026Monument Bank merged inCovenant Bank merged inSusquehanna Community Bank merged inTotal assets$3.1bnDeposits$2.6bnNet loans$2.3bnTotal assets, deposits and net loans of Citizens & Northern Bank each quarter; total assets were $3.1 bn at Q2 2026$547mn$1.5bn$2.4bn$3.3bn20202024
  • Total assets $3.1bn
  • Deposits $2.6bn
  • Net loans $2.3bn
to . FDIC Call Reports.

Capital and securities

The CET1 ratio of Citizens & Northern Bank stood at 12.85% in , -1.20 pp year on year. Low and high at Citizens & Northern Bank since : 12.24% () to 20.94% (). Equity capital of Citizens & Northern Bank at : $355.8 mn, or 11.3% of total assets. Citizens & Northern Bank also reported a total capital ratio of 14.10% for , and a tier 1 leverage ratio of 9.96%.

The available-for-sale portfolio of Citizens & Northern Bank showed an unrealized loss of $30.9 mn at ; the loss narrowed by $8.4 mn over the year.

Citizens & Northern Bank: capital ratios

Percent
CET1, total risk-based capital and tier 1 leverage ratios of Citizens & Northern Bank, Q1 2016 to Q2 20268.9%12%16%19%23%20182020202220242026Total capital14%CET113%Tier 1 leverage10.0%CET1, total risk-based capital and tier 1 leverage ratios of Citizens & Northern Bank, Q1 2016 to Q2 20268.9%14%18%23%20202024
  • Total capital 14%
  • CET1 13%
  • Tier 1 leverage 10.0%
to . FDIC Call Reports.

Citizens & Northern Bank: unrealized securities gains and losses

USD bn
Unrealized gains and losses on available-for-sale and held-to-maturity securities of Citizens & Northern Bank, Q1 2016 to Q2 2026-$81mn-$56mn-$31mn-$6mn$19mn20182020202220242026Held to maturity$0Available for sale-$31mnUnrealized gains and losses on available-for-sale and held-to-maturity securities of Citizens & Northern Bank, Q1 2016 to Q2 2026-$81mn-$47mn-$14mn$19mn20202024
  • Available for sale -$31mn
  • Held to maturity $0
to . FDIC Call Reports.

Profitability and loan quality

For the year to , Citizens & Northern Bank earned a return on equity of 8.61%; return on assets: 0.96%. Net interest margin at Citizens & Northern Bank: 4.10%, +0.58 pp in a year. Citizens & Northern Bank net income: $15.1 mn, up 15.1% year on year. The efficiency ratio of Citizens & Northern Bank was 57.94%: about 58 cents cost per revenue dollar, against 58 cents at the median peer.

At , noncurrent loans were 1.70% of total loans at Citizens & Northern Bank; net charge-offs: 0.88% of average loans. Gross loans and leases at Citizens & Northern Bank: $2.4 bn, up 22.4% in a year.

Citizens & Northern Bank: profitability

Percent, annualized
Return on equity, net interest margin and return on assets of Citizens & Northern Bank, Q1 2016 to Q2 2026-0.8%2.9%6.7%10%14%20182020202220242026Return on equity8.6%Net interest margin4.1%Return on assets1.0%Return on equity, net interest margin and return on assets of Citizens & Northern Bank, Q1 2016 to Q2 2026-0.8%4.2%9.2%14%20202024
  • Return on equity 8.6%
  • Net interest margin 4.1%
  • Return on assets 1.0%
to . FDIC Call Reports.

Peer group of Citizens & Northern Bank

The peer group of Citizens & Northern Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of Citizens & Northern Bank (state member bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Pennsylvania. Against them, Citizens & Northern Bank shows CET1 ratio 12.85% against a peer median of 14.75%, return on equity 8.61% against a peer median of 13.15% and uninsured deposit share 31.42% against a peer median of 37.10%.

BankCharterStateTotal assetsCET1 ratioReturn on equityUninsured share
Monet BankState nonmember bankTX$3.2 bn135.52%12.77%80.17%
Farmers Bank & Trust CompanyState member bankAR$3.2 bnnot reported15.94%29.39%
Centreville BankState-chartered stock savings bankRI$3.2 bnnot reported9.50%17.59%
Citizens & Northern BankState member bankPA$3.1 bn12.85%8.61%31.42%
Amboy BankState member bankNJ$3.1 bn14.75%21.96%53.18%
BCB Community BankState nonmember bankNJ$3.1 bnnot reported-4.67%44.78%
UniBank for SavingsState nonmember bankMA$3.1 bn14.02%13.54%29.42%

. FDIC Call Reports.

Last eight quarters

Two years at Citizens & Northern Bank, to : assets +18.3%, deposits +21.3%, equity +23.8%. Staff 387 to 453; offices 28 to 35.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026
Total assets$2.7 bn$2.6 bn$2.6 bn$2.6 bn$2.7 bn$3.1 bn$3.2 bn$3.1 bn
Total deposits$2.2 bn$2.1 bn$2.1 bn$2.1 bn$2.2 bn$2.6 bn$2.6 bn$2.6 bn
Bank equity capital$287.4 mn$285.5 mn$291.4 mn$295.9 mn$303.2 mn$351.1 mn$345.2 mn$355.8 mn
CET1 ratio13.85%14.10%14.15%14.05%13.98%12.59%12.24%12.85%
Return on equity (ROE)9.05%9.80%9.17%9.02%9.07%8.13%0.71%8.61%
Uninsured share of domestic deposits30.46%29.97%29.31%30.51%31.89%31.38%32.66%31.42%
Full-time equivalent employees387386382388379460438453
Number of offices2828282828353535

FDIC Call Reports.

Mergers and acquisitions

The FDIC history of Citizens & Northern Bank, oldest first; figures before and after each event are not like for like.

  1. . Absorbed Monument Bank (FDIC certificate 58757).
  2. . Absorbed Covenant Bank (FDIC certificate 58502).
  3. . Absorbed Susquehanna Community Bank (FDIC certificate 8421).

Large one-quarter moves at Citizens & Northern Bank

  • Total assets at Citizens & Northern Bank changed by +25.0% in the quarter to 2019-06-30: Absorbtion - Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Monument Bank.
  • Total assets at Citizens & Northern Bank changed by +35.1% in the quarter to 2020-09-30: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Covenant Bank.

Questions and identifiers

What were the total assets of Citizens & Northern Bank?

Citizens & Northern Bank reported $3.1 bn at in its Call Report. That makes Citizens & Northern Bank the 405th largest of 497 banks in our US coverage.

Is Citizens & Northern Bank the same as its holding company?

No. This page covers Citizens & Northern Bank, FDIC certificate 7799; CITIZENS&NORTHERN CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.

Is Citizens & Northern Bank profitable?

Citizens & Northern Bank reported net income of $15.1 mn for the year to ; annualized return on equity: 8.61%. So yes: Citizens & Northern Bank made a profit over these months.

When is data for Citizens & Northern Bank next updated?

Figures from Citizens & Northern Bank for are due after .

Where can I check the figures for Citizens & Northern Bank?

In the FDIC BankFind Suite record for certificate 7799, and in the Call Reports of Citizens & Northern Bank (RSSD ID 895710) at the FFIEC Central Data Repository.