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 Citizens & Northern Bank
Citizens & Northern Bank
| RSSD ID 895710 | CERTIFICATE 7799 | ABA NUMBER 31308302 |
| 90 Main St |
Quarter Ended : |
2025-12-31 |
| Wellsboro, Pennsylvania, 16901 |
Updated : |
2026-02-11 |
| Institution Profile |
| Year Opened : |
1864 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FED |
| Member Federal Reserve : |
Yes |
S-Corp : |
No |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
Yes |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
35 |
Number of Employees : |
460 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 3,121,896 |
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Total Interest Income | 138,880 |
| Total Liabilities | 2,770,764 |
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Total NonInterest Income | 30,851 |
| Total Bank Equity Capital | 351,132 |
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Total Interest Expense | 46,000 |
| Total Deposits | 2,584,952 |
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Total NonInterest Expense | 87,052 |
| Net Loans & Leases | 2,323,317 |
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Net Income | 24,842 |
| Loan Loss Allowance | 31,048 |
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Net Charge Offs | 1,617 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 330,427 |
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Total loans | 2,345,504 |
| Total assets for the leverage ratio | 3,114,935 |
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Loans secured by real estate: | 1,772,543 |
| Tier 1 Leverage Ratio | 9.66 |
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Commercial and industrial loans | 183,887 |
| Tier 1 Capital Ratio | 12.59 |
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Loans to individuals - Credit Cards | 3,969 |
| Total Capital Ratio | 13.82 |
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Loans to individuals - Other | 14,154 |
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:· Citizens & Northern Bank
