Citizens & Northern Bank

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

Citizens & Northern Bank is headquartered in Wellsboro and is the 23rd largest bank in the state of Pennsylvania. It is also the 524th largest bank in the nation. It was established in 1864 and as of December of 2019, it had grown to 336 employees at 27 locations. Citizens & Northern Bank has an A+ health rating.

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Reviews (2)

Great Service And Rates!

Posted by: |

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

Posted by: |

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 - YTD1.37%
Return on Equity - YTD9.91%
Annual Interest Income$64.4MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$1.64B$1.28B
LoansQ4 2019vs Q4 2018$1.17B$818.5MM
DepositsQ4 2019vs Q4 2018$1.26B$1.04B
Equity CapitalQ4 2019vs Q4 2018$228.4MM$174.8MM
Loan Loss AllowanceQ4 2019vs Q4 2018$9.8MM$9.3MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$9.3MM$14.7MM
Real Estate OwnedQ4 2019vs Q4 2018$2.9MM$1.7MM

Rates for Citizens & Northern Bank are currently being reviewed.



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