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 $2 billion in
assets. Customers can open an account at one of its 26 branches.
Deposit Rates - March 29, 2023
| 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 |
| INT CHECKING RATES | APY | MIN |
|---|---|---|
|
Int Ckg
|
0.35% | $2,500 |
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Overview 2023
General Bank Information
| FDIC Insured | Yes |
| FDIC Certificate | # 7799 |
| Date Established | 1864 |
| Assets | $ 2.39 billion |
| Loans | $ 1,674.26 million |
| Deposits | $ 2.06 billion |
| Capital | $ 244.70 million |
Summary Balance Sheet as of September 30, 2022
| ASSETS | |
| Cash & Balances due from depository institutions | $ 63.00 million |
| Interest-bearing balances | $ 32.05 million |
| Total securities | $ 475.61 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 1,674.26 million |
| Loan loss allowance | $ 16.17 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 0.45 million |
| Goodwill and other intangibles | $ 58.17 million |
| All other assets | $ 82.79 million |
| Total Assets | $ 2.14 billion |
| LIABILITIES | |
| Total deposits | $ 2.06 billion |
| Interest-bearing deposits | $ 1,482.85 million |
| Deposits held in domestic offices | $ 2.06 billion |
| % insured (estimated) | 65.68% |
| Federal funds purchased and repurchase agreements | $ 2.46 million |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 125.29 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 21.51 millionn |
| Total Liabilities | $ 2.14 billion |
| Shareholders’ Equity | $ 253.95 million |
Summary Income Statement as of September 30, 2022
| INCOME AND EXPENSES | |
| Total Interest Income | $ 66.51 million |
| Total Interest Expense | $ 4.75 million |
| Net interest income | $ 61.76 million |
| Provision for loan and lease losses | $ 4.99 million |
| Total non interest income | $ 18.46 million |
| Total non interest expense | $ 50.77 million |
| Pre-tax Net Operating Income | $ 18.68 million |
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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.
- 1LOCAL CDBankPENNSYLVANIA$50,0006 Month0.25%0.86x (National Avg. - 0.29%)$10,000-SCENARIO
Year Rate
0.25%Annual
InterestAnnual Interest
(After Tax)1 50,000 125 88 2 50,125 125 88 3 50,250 126 88 4 50,376 126 88 5 50,502 126 88 6 50,628 127 89 7 50,755 127 89 8 50,882 127 89 9 51,009 128 89 10 51,136 128 89 11 51,264 128 90 12 51,392 128 90 13 51,521 129 90 14 51,650 129 90 15 51,779 129 91 16 51,908 130 91 17 52,038 130 91 18 52,168 130 91 19 52,298 131 92 20 52,429 131 92 TOTAL $2,560 $1,792 - 2LOCAL CDOnline Bank-$50,00060 Month4.10%5.06x (National Avg. - 0.81%)$2,500-SCENARIO
Year Rate
4.10%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,050 1,435 2 52,050 2,134 1,494 3 54,184 2,222 1,555 4 56,406 2,313 1,619 5 58,718 2,407 1,685 6 61,126 2,506 1,754 7 63,632 2,609 1,826 8 66,241 2,716 1,901 9 68,957 2,827 1,979 10 71,784 2,943 2,060 11 74,727 3,064 2,145 12 77,791 3,189 2,233 13 80,980 3,320 2,324 14 84,300 3,456 2,419 15 87,757 3,598 2,519 16 91,355 3,746 2,622 17 95,100 3,899 2,729 18 98,999 4,059 2,841 19 103,058 4,225 2,958 20 107,284 4,399 3,079 TOTAL $61,682 $43,178 - 3LOCAL CDOnline Bank-$50,00024 Month4.30%7.75x (National Avg. - 0.56%)$2,500-SCENARIO
Year Rate
4.30%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,150 1,505 2 52,150 2,242 1,570 3 54,392 2,339 1,637 4 56,731 2,439 1,708 5 59,171 2,544 1,781 6 61,715 2,654 1,858 7 64,369 2,768 1,938 8 67,137 2,887 2,021 9 70,024 3,011 2,108 10 73,035 3,140 2,198 11 76,175 3,276 2,293 12 79,451 3,416 2,391 13 82,867 3,563 2,494 14 86,430 3,717 2,602 15 90,147 3,876 2,713 16 94,023 4,043 2,830 17 98,066 4,217 2,952 18 102,283 4,398 3,079 19 106,681 4,587 3,211 20 111,268 4,785 3,349 TOTAL $66,053 $46,237 - 4LOCAL CDOnline Bank-$50,00012 Month4.50%10.23x (National Avg. - 0.44%)$2,500-SCENARIO
Year Rate
4.50%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,250 1,575 2 52,250 2,351 1,646 3 54,601 2,457 1,720 4 57,058 2,568 1,797 5 59,626 2,683 1,878 6 62,309 2,804 1,963 7 65,113 2,930 2,051 8 68,043 3,062 2,143 9 71,105 3,200 2,240 10 74,305 3,344 2,341 11 77,648 3,494 2,446 12 81,143 3,651 2,556 13 84,794 3,816 2,671 14 88,610 3,987 2,791 15 92,597 4,167 2,917 16 96,764 4,354 3,048 17 101,119 4,550 3,185 18 105,669 4,755 3,329 19 110,424 4,969 3,478 20 115,393 5,193 3,635 TOTAL $70,586 $49,410
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