Citizens & Northern Bank is an FDIC insured institution headquartered at
90 Main St, Wellsboro, PA 16901.
Deposit Rates -
August 15, 2026
SAVINGS RATES
APY
MIN
Savings
0.10% $2,500
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CD RATES
APY
MIN
6 Mo CD
0.25% $10,000
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6 Mo CD
0.50% $100,000
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12 Mo CD
0.30% $10,000
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12 Mo CD
0.50% $100,000
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18 Mo CD
0.30% $10,000
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18 Mo CD
0.50% $100,000
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24 Mo CD
0.35% $10,000
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24 Mo CD
0.55% $100,000
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36 Mo CD
0.45% $10,000
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36 Mo CD
0.65% $100,000
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48 Mo CD
0.55% $10,000
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48 Mo CD
0.75% $100,000
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60 Mo CD
0.65% $10,000
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60 Mo CD
0.85% $100,000
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MM RATES
APY
MIN
Money Market
0.05% $2,500
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Money Market
0.15% $10,000
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Money Market
0.20% $25,000
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Loan Rates -
August 15, 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
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 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
Customer Reviews for Citizens & Northern Bank
Branches
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Citizens & Northern Bank Locations
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