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Overview / Commentary
90-92 Main Street
Wellsboro, PA 16901

Citizens & Northern Bank is headquartered in Wellsboro and is the 25th largest bank in the state of Pennsylvania. It is also the 612th largest bank in the nation. It was established in 1864 and as of March of 2016, it had grown to 288 employees at 26 locations. Citizens & Northern Bank has a B+ health rating.

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Reviews (2)

Great Service And Rates!

Posted by: Lurch7284 | Sep 13, 2010

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 Mint.com and based on their responses to my inquiries, they have no plans to change this.

Customer Service

Posted by: Anonymous | Apr 4, 2012

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!


Health Grade Components

FDIC Certificate #7799
Year Established1864
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.14%
Return on Equity - YTD8.16%
Annual Interest Income$10.9MM
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$1.20B$1.24B
LoansQ1 2016vs Q1 2015$694.5MM$621.4MM
DepositsQ1 2016vs Q1 2015$960.0MM$984.2MM
Equity CapitalQ1 2016vs Q1 2015$170.9MM$167.9MM
Loan Loss AllowanceQ1 2016vs Q1 2015$7.7MM$7.1MM
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$13.8MM$14.6MM
Real Estate OwnedQ1 2016vs Q1 2015$1.6MM$1.6MM

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