Banks | Citizens & Northern Bank

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 - January 13, 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 $ 2.66 billion
Loans $ 1,875.79 million
Deposits $ 2.15 billion
Capital $ 287.45 million

Summary Balance Sheet as of September 30, 2024

ASSETS
Cash & Balances due from depository institutions $ 182.56 million
Interest-bearing balances $ 156.86 million
Total securities $ 397.37 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 1,875.79 million
Loan loss allowance $ 20.44 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.18 million
Goodwill and other intangibles $ 57.38 million
All other assets $ 82.79 million
     Total Assets $ 2.37 billion

LIABILITIES
Total deposits $ 2.15 billion
      Interest-bearing deposits $ 1,624.17 million
      Deposits held in domestic offices $ 2.15 billion
      % insured (estimated) 69.42%
Federal funds purchased and repurchase agreements $ 1.43 million
Trading liabilities N.A.
Other borrowed funds $ 125.29 million
Subordinated debt N.A.
All other liabilities $ 21.51 millionn
      Total Liabilities $ 2.37 billion
      Shareholders’ Equity $ 287.45 million

Summary Income Statement as of September 30, 2024

INCOME AND EXPENSES
Total Interest Income $ 94.46 million
Total Interest Expense $ 35.08 million
Net interest income $ 59.38 million
Provision for loan and lease losses $ 2.73 million
Total non interest income $ 21.63 million
Total non interest expense $ 55.13 million
Pre-tax Net Operating Income $ 18.68 million

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