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Citizens & Northern Bank


Citizens & Northern Bank is an FDIC insured institution headquartered at 90 Main St, Wellsboro, PA 16901.
It was founded in 1864 and has approximately $3 billion in assets. Customers can open an account at one of its 26 branches.

Deposit Rates - December 17, 2025

SAVINGS RATES APY MIN
Savings
0.10% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.25% $10,000 Compare
6 Mo CD
0.50% $100,000 Compare
12 Mo CD
0.30% $10,000 Compare
12 Mo CD
0.50% $100,000 Compare
18 Mo CD
0.30% $10,000 Compare
18 Mo CD
0.50% $100,000 Compare
24 Mo CD
0.35% $10,000 Compare
24 Mo CD
0.55% $100,000 Compare
36 Mo CD
0.45% $10,000 Compare
36 Mo CD
0.65% $100,000 Compare
48 Mo CD
0.55% $10,000 Compare
48 Mo CD
0.75% $100,000 Compare
60 Mo CD
0.65% $10,000 Compare
60 Mo CD
0.85% $100,000 Compare
MM RATES APY MIN
Money Market
0.05% $2,500 Compare
Money Market
0.15% $10,000 Compare
Money Market
0.20% $25,000 Compare




Loan Rates - December 17, 2025

MORTGAGE PURCHASE APR(%) MONTHLY PAYMENT
15 Year Fixed Conforming
7.41% $2,944.66
20 Year Fixed Conforming
7.91% $2,652.76
30 Year Fixed Conforming
8.02% $2,348.05
MORTGAGE REFINANCE APR(%) MONTHLY PAYMENT
15 Year Fixed Conforming
7.41% $2,944.66
20 Year Fixed Conforming
7.91% $2,652.76
30 Year Fixed Conforming
8.02% $2,348.05
See Other Mortgage Rates →
HOME EQUITY RATES APR(%) MONTHLY PAYMENT
Line of Credit
7.00% Varies
Compare with 6.99 RATE Line of Credit from Third Federal Savings and Loan Third Federal Savings and Loan
Compare with 8.5 RATE Line of Credit from Farmers Bank of Kansas City Farmers Bank of Kansas City
See Other Home Equity Rates →

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 7799
Date Established 1864
Assets $ 2.60 billion
Loans $ 1,901.49 million
Deposits $ 2.13 billion
Capital $ 295.90 million

Summary Balance Sheet as of June 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 98.99 million
Interest-bearing balances $ 72.68 million
Total securities $ 395.62 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 1,901.49 million
Loan loss allowance $ 21.70 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.40 million
Goodwill and other intangibles $ 57.21 million
All other assets $ 82.79 million
     Total Assets $ 2.30 billion

LIABILITIES
Total deposits $ 2.13 billion
      Interest-bearing deposits $ 1,604.10 million
      Deposits held in domestic offices $ 2.13 billion
      % insured (estimated)" 69.36%
Federal funds purchased and repurchase agreements $ 0.53 million
Trading liabilities N.A.
Other borrowed funds $ 125.29 million
Subordinated debt N.A.
All other liabilities $ 21.51 millionn
      Total Liabilities $ 2.30 billion
      Shareholders’ Equity $ 295.90 million

Summary Income Statement as of June 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 64.00 million
Total Interest Expense $ 22.36 million
Net interest income $ 41.63 million
Provision for loan and lease losses $ 2.59 million
Total non interest income $ 15.17 million
Total non interest expense $ 37.97 million
Pre-tax Net Operating Income $ 18.68 million

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Branches

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Citizens & Northern Bank Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only."

  • 1
    LOCAL SAVINGS
    Citizens & Northern Bank
    Bank
    NEW YORK
    $50,000
    N.A.
    0.10%
    0.44x (National Avg. - 0.23%)
    $2,500
    -
    SCENARIO
    Year Rate
    0.10%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 50 35
    2 50,050 50 35
    3 50,100 50 35
    4 50,150 50 35
    5 50,200 50 35
    6 50,251 50 35
    7 50,301 50 35
    8 50,351 50 35
    9 50,401 50 35
    10 50,452 50 35
    11 50,502 51 35
    12 50,553 51 35
    13 50,603 51 35
    14 50,654 51 35
    15 50,705 51 35
    16 50,755 51 36
    17 50,806 51 36
    18 50,857 51 36
    19 50,908 51 36
    20 50,959 51 36
    TOTAL $1,010 $707
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    4.00%
    17.70x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    4.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,000 1,400
    2 52,000 2,080 1,456
    3 54,080 2,163 1,514
    4 56,243 2,250 1,575
    5 58,493 2,340 1,638
    6 60,833 2,433 1,703
    7 63,266 2,531 1,771
    8 65,797 2,632 1,842
    9 68,428 2,737 1,916
    10 71,166 2,847 1,993
    11 74,012 2,960 2,072
    12 76,973 3,079 2,155
    13 80,052 3,202 2,241
    14 83,254 3,330 2,331
    15 86,584 3,463 2,424
    16 90,047 3,602 2,521
    17 93,649 3,746 2,622
    18 97,395 3,896 2,727
    19 101,291 4,052 2,836
    20 105,342 4,214 2,950
    TOTAL $59,556 $41,689


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