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90-92 Main Street
Wellsboro, PA 16901

Citizens & Northern Bank is headquartered in Wellsboro and is the 24th largest bank in the state of Pennsylvania. It is also the 555th largest bank in the nation. It was established in 1864 and as of March of 2014, it had grown to 284 employees at 26 locations. Citizens & Northern Bank has a B+ health rating.

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Reviews (2)

Great Service And Rates!

I opened an account with C&N's NY affiliate (First State Bank) in January 2009.  I was originally attracted by the high rewards check rates (3.5% at the time), however the rates have dropped to 2% since then.


I don't live near a branch office, so most of my activity is carried out online.  However, when I've needed assistance the staff has been really accomodating.


My one complaint is that C&N is not compatible with and based on their responses to my inquiries, they have no plans to change this.

Customer Service

The telephone answering system is hopeless! I spent more than 15 minutes waiting on hold being forced to listen to advertisements and a particularly annoying jingle. I must also mention that I was returning a call from a message left on my home answering machine. It turns out that the bank was calling to report an error they had made on my account. Now I'm even more angry!


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Citizens & Northern Bank had $17.28 million in non-current loans and owned real-estate with $177.1 million in equity and loan loss allowances on hand to cover it. This gives Citizens & Northern Bank a Texas Ratio of 9.76% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Citizens & Northern Bank experienced no significant changes from 5.64% as of March 31, 2013 to 9.76% as of March 31, 2014, resulting in a negative change of 73.11%. This indicates that the balance sheet and financial strength for Citizens & Northern Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Citizens & Northern Bank has decreased its total deposits by -$6.02 million, resulting in -0.62% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Citizens & Northern Bank has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Citizens & Northern Bank has $1.22 billion in assets with $177.1 million in equity, resulting in a capitalization level of 14.50%, which is excellent.

Institution Statistics

FDIC Certificate #7799
Year Established1864
Primary RegulatorFDIC
Assets and Liabilities
Assets$1.22 billion
Loans$617.61 million
Deposits$964.35 million
Equity Capital$168.76 million
Loan Loss Allowance$8.34 million
Unbacked Noncurrent Loans$15.96 million
Real Estate Owned$1.32 million
Historic Data - March 2013
Assets$1.23 billion
Equity Capital$168.46 million
Loan Loss Allowance$7.12 million
Unbacked Noncurrent Loans$15.96 million
Real Estate Owned$915,000
Profit Margin - Quarterly
Net Interest Margin3.54%
Return on Assets1.39%
Return on Equity10.19%
Interest Income$11.30 million

Always verify rates and promotions with the bank or credit union. We are not Citizens & Northern Bank, we are a rate comparison website and can not provide official rates or promotions.

Citizens & Northern Bank Savings Account Rates

0.10%--Savings Account
0.10%--Christmas Club
0.10%$200-Key Savings

Citizens & Northern Bank Money Market Rates

0.35%$500k-Consumer Super Money Fund

Citizens & Northern Bank Checking Account Rates

0.35%-$30ke-z Money Checking - Qualifying
0.10%$2,500-Interest Checking
0.10%$2,500-Business Interest Checking
0.05%--e-z Money Checking - Non Qualifying

Citizens & Northern Bank CD Rates

1.56%$100k-60 Month CD
1.21%$100k-48 Month CD
0.80%$100k-36 Month CD
0.50%$100k-24 Month CD
0.40%$100k-18 Month CD
0.35%$100k-12 Month CD
0.25%$100k-6 Month CD
0.20%$5k-e-z Access Advantage 36 Month CD

Citizens & Northern Bank IRA Rates

1.56%$100k-IRA CD 60 Month
1.21%$100k-IRA CD 48 Month
0.80%$100k-IRA CD 36 Month
0.25%--IRA Variable CD 18 Month

Citizens & Northern Bank has 26 locations. Click to view all Citizens & Northern Bank locations.