What is Citizens & Northern Bank's financial health grade?

Citizens & Northern Bank has a TFS Financial Health Grade of C- (score: 70.2/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Citizens & Northern Bank have?

Citizens & Northern Bank has 35 branch locations across the United States.

Is Citizens & Northern Bank FDIC insured?

Yes, Citizens & Northern Bank is FDIC insured (Certificate #7799).

What are the total assets of Citizens & Northern Bank?

Citizens & Northern Bank has total assets of $3.1B as reported in its most recent FDIC filing.

Citizens & Northern Bank

BankWellsboro, Pennsylvania

www.cnbankpa.com

Total Assets

$3.1B

Total Deposits

$2.6B

Branches

Established

1864

TFS Health Grade

C-

70.2 / 100

Average financial health

How we grade

Citizens & Northern Bank is a bank headquartered in Wellsboro, Pennsylvania, established in 1864. With $3.1B in total assets and 35 branch locations, it has a TFS Financial Health Grade of C- (70.2/100).

Capital & Safety

Tier 1 Capital Ratio

9.66%(8%)

Total Capital Ratio

13.82%(10%)

Non-Performing Loan Ratio

1.40%

Profitability

Return on Assets (ROA)

0.92%(1%)

Return on Equity (ROE)

8.13%(10%)

Net Interest Margin

3.75%

Efficiency Ratio

69.39%(60%)

Lending & Liquidity

Total Loans

$2.4B

Loan-to-Deposit Ratio

89.94%

Net Charge-Off Ratio

0.08%

Growth

Asset Growth (YoY)

+20.14%

Deposit Growth (YoY)

+22.42%

Net Income

$24.8M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Citizens & Northern BankHQ	90 Main St	Wellsboro	PA	11
Citizens & Northern Bank	6250 County Route 64	Hornell	NY	11
Citizens & Northern Bank	19179 Route 522	Beaver Springs	PA	11
Citizens & Northern Bank	10 N Main St	Coudersport	PA	11
Citizens & Northern Bank	465 N Main St	Doylestown	PA	11
Citizens & Northern Bank	60 N Main St	Doylestown	PA	11
Citizens & Northern Bank	111 W. Main Street	Dushore	PA	11
Citizens & Northern Bank	563 Main St	East Smithfield	PA	11
Citizens & Northern Bank	104 Main Street	Elkland	PA	11
Citizens & Northern Bank	135 E 4th St	Emporium	PA	11
Citizens & Northern Bank	230 Railroad St	Jersey Shore	PA	11
Citizens & Northern Bank	102 East Main Street, Route 49	Knoxville	PA	11
Citizens & Northern Bank	2098 Spring Valley Rd	Lancaster	PA	11
Citizens & Northern Bank	514 Main Street	Laporte	PA	11
Citizens & Northern Bank	2005 W Market St	Lewisburg	PA	11
Citizens & Northern Bank	4534 Williamson Trl	Liberty	PA	11
Citizens & Northern Bank	1085 S Main St	Mansfield	PA	11
Citizens & Northern Bank	40 Hardees Drive	Mifflinburg	PA	11
Citizens & Northern Bank	3461 Route 405 Hwy	Muncy	PA	11
Citizens & Northern Bank	3 Terry Drive	Newtown	PA	11
Citizens & Northern Bank	397 Point Township Dr	Northumberland	PA	11
Citizens & Northern Bank	1827 Elmira St	Sayre	PA	11
Citizens & Northern Bank	2 E Mountain Ave	South Williamsport	PA	11
Citizens & Northern Bank	41 Main Street	Tioga	PA	11
Citizens & Northern Bank	423/433 Reuter Boulevard	Towanda	PA	11
Citizens & Northern Bank	423/433 Reuter Blvd	Towanda	PA	11
Citizens & Northern Bank	64 Elmira St	Troy	PA	11
Citizens & Northern Bank	1025 Main St	Watsontown	PA	11
Citizens & Northern Bank	500 Chesterbrook Blvd	Wayne	PA	11
Citizens & Northern Bank	940 High St	West Milton	PA	11
Citizens & Northern Bank	1510 Dewey Ave	Williamsport	PA	11
Citizens & Northern Bank	130 Court St	Williamsport	PA	11
Citizens & Northern Bank	2409 E 3rd St	Williamsport	PA	11
Citizens & Northern Bank	1467 Golden Mile Rd	Wysox	PA	11
Citizens & Northern Bank	2951 Whiteford Rd	York	PA	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.