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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 - 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
INT CHECKING RATES APY MIN
Int Ckg
0.35% $2,500

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

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