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 -
July 15, 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 -
July 15, 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
$ 1,879.73 million
Deposits
$ 2.12 billion
Capital
$ 291.45 million
Summary Balance Sheet as of December 31, 2024
ASSETS
Cash & Balances due from depository institutions
$ 114.18 million
Interest-bearing balances
$ 78.01 million
Total securities
$ 398.09 million
Federal funds sold and reverse repurchase
N.A.
Net loans and leases
$ 1,879.73 million
Loan loss allowance
$ 20.17 million
Trading account assets
N.A.
Bank premises and fixed assets
N.A.
Other real estate owned
$ 0.20 million
Goodwill and other intangibles
$ 57.26 million
All other assets
$ 82.79 million
Total Assets
$ 2.31 billion
LIABILITIES
Total deposits
$ 2.12 billion
Interest-bearing deposits
$ 1,614.33 million
Deposits held in domestic offices
$ 2.12 billion
% insured (estimated)"
70.56%
Federal funds purchased and repurchase agreements
$ 0.57 million
Trading liabilities
N.A.
Other borrowed funds
$ 125.29 million
Subordinated debt
N.A.
All other liabilities
$ 21.51 millionn
Total Liabilities
$ 2.31 billion
Shareholders’ Equity
$ 291.45 million
Summary Income Statement as of December 31, 2024
INCOME AND EXPENSES
Total Interest Income
$ 31.63 million
Total Interest Expense
$ 11.39 million
Net interest income
$ 20.23 million
Provision for loan and lease losses
$ 0.24 million
Total non interest income
$ 6.99 million
Total non interest expense
$ 18.83 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
Citizens & Northern Bank Locations
There are currently no comments for Citizens & Northern Bank. Be the first to share your experience. Please provide comments that will help others.