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 - May 02, 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 |
Loan Rates - May 02, 2026
| 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 |
Compare with 0.000% APR and 0.000% 30-Year Fixed RATE from Pentagon Federal Credit Union
|
||
| 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 |
|
Compare with 0.000% APR and 0.000% 30-Year Fixed RATE from Pentagon Federal Credit Union
|
||
| HOME EQUITY RATES | APR(%) | MONTHLY PAYMENT | ||
|---|---|---|---|---|
|
Line of Credit
|
6.75% | Varies | ||
Compare with 6.95 RATE Line of Credit from Reliant Home Funding, Inc
|
||||
Compare with 6.95 RATE Line of Credit from Figure Home Equity
|
||||
Compare with 7 RATE Line of Credit from Four Leaf Federal Credit Union
|
||||
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 September 30, 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 September 30, 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 |
Customer Reviews for Citizens & Northern Bank
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