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 05, 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 05, 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 |
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 |
Customer Reviews for Citizens & Northern Bank
Branches
Click on location and enter new zip number to change."
Your current location is: New York City, NY
There are currently no comments for Citizens & Northern Bank. Be the first to share your experience. Please provide comments that will help others.