Citizens & Northern Bank
Total assets
$3.14B
▲ +21.0% YoY
Deposits
$2.61B
▲ +22.7% YoY
Loans
$2.32B
▲ +22.1% YoY
Offices
35
CITIZENS&NORTHERN CORP
ROA (annualized)
0.96%
peers 1.26%
ROE (annualized)
8.61%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +21.0% | +5.5% | +15.5 pts |
| Deposit growth (YoY) | +22.7% | +5.1% | +17.6 pts |
| Loan growth (YoY) | +22.1% | +5.9% | +16.1 pts |
| ROA | 0.96% | 1.26% | -0.3 pts |
| ROE | 8.6% | 12.2% | -3.6 pts |
ROA ranks in the 27th percentile of its peer group · Q2 2026
Profile
- Established
- 1864
- Charter
- State
- Primary regulator
- FED
- Holding company
- CITIZENS&NORTHERN CORP
- Specialization
- Commercial Lending Specialization
- Address
- 90 Main St, Wellsboro, PA, 16901
- County
- Tioga
- Offices
- 35
- FDIC cert #
- 7799
- RSSD ID
- 895710
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.14B | $2.61B | $2.32B | $355.8M | $15.1M | 0.96% | 4.10% | 1.28% |
| Q1 2026 | $3.15B | $2.62B | $2.35B | $345.2M | $616K | 0.08% | 4.02% | 1.34% |
| Q4 2025 | $3.12B | $2.58B | $2.32B | $351.1M | $24.8M | 0.92% | 3.75% | 1.06% |
| Q3 2025 | $2.65B | $2.18B | $1.92B | $303.2M | $20.0M | 1.02% | 3.59% | 1.03% |
| Q2 2025 | $2.60B | $2.13B | $1.90B | $295.9M | $13.1M | 1.01% | 3.52% | 0.99% |
| Q1 2025 | $2.60B | $2.12B | $1.88B | $291.4M | $6.6M | 1.02% | 3.42% | 0.94% |
| Q4 2024 | $2.60B | $2.11B | $1.88B | $285.5M | $27.2M | 1.06% | 3.43% | 0.93% |
| Q3 2024 | $2.66B | $2.15B | $1.88B | $287.4M | $18.8M | 0.98% | 3.40% | 0.93% |
Loan mix (Q2 2026): real estate $2.02B · commercial $196.6M · consumer $20.7M · securities $489.8M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Citizens & Northern Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.96% | 1.26% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 12.2% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.10% | 3.70% | 74th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.9% | 59.0% | 45th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Citizens & Northern Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Citizens & Northern Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Citizens & Northern Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Citizens & Northern Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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