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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 16, 2026

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 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 7799
Date Established 1864
Assets $ 3.12 billion
Loans $ 2.32 billion
Deposits $ 2.58 billion
Capital $ 351.13 million

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions $ 45.59 million
Interest-bearing balances $ 23.32 million
Total securities $ 498.01 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 2.32 billion
Loan loss allowance $ 31.05 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.19 million
Goodwill and other intangibles $ 78.78 million
All other assets $ 82.79 million
     Total Assets $ 2.77 billion

LIABILITIES
Total deposits $ 2.58 billion
      Interest-bearing deposits $ 2.04 billion
      Deposits held in domestic offices $ 2.58 billion
      % insured (estimated)" 68.46%
Federal funds purchased and repurchase agreements $ 1.62 million
Trading liabilities N.A.
Other borrowed funds $ 125.29 million
Subordinated debt N.A.
All other liabilities $ 21.51 millionn
      Total Liabilities $ 2.77 billion
      Shareholders’ Equity $ 351.13 million

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income $ 138.88 million
Total Interest Expense $ 46.00 million
Net interest income $ 92.88 million
Provision for loan and lease losses $ 6.07 million
Total non interest income $ 30.85 million
Total non interest expense $ 87.05 million
Pre-tax Net Operating Income $ 18.68 million

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