Citizens & Northern Bank is headquartered in WELLSBORO and is the 22nd largest bank in the state of Pennsylvania. It is also the 479th largest bank in the nation. It was established in 1864 and as of March of 2025, it had grown to 382 employees at 29 locations. Citizens & Northern Bank's money market rates are 8X the national average, and it has an A health rating.
Opened account online and received approval email. The same day recoeved another message that the account had not been approved and closed. 2 weeks later recieve a debit card in the mail. Does not sound as though they have their procedures in place to open an accout. Never had issue like this with any other bank.
Overall | |
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FDIC Certificate # | 7799 |
Year Established | 1864 |
Employees | 382 |
Primary Regulator | FED |
Profit Margin | |
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Return on Assets - YTD | 1.02% |
Return on Equity - YTD | 9.17% |
Annual Interest Income | $31.6MM |
Assets and Liabilities | ||
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Assets | Q1 2025vs Q1 2024 | $2.6B$2.51B |
Loans | Q1 2025vs Q1 2024 | $1.88B$1.85B |
Deposits | Q1 2025vs Q1 2024 | $2.12B$2.01B |
Equity Capital | Q1 2025vs Q1 2024 | $291.5MM$271.8MM |
Loan Loss Allowance | Q1 2025vs Q1 2024 | $20.2MM$20MM |
Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $23.2MM$18.3MM |
Real Estate Owned | Q1 2025vs Q1 2024 | $199K$456K |
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
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0.10% | $0 | - | Savings Account | |
0.10% | $0 | - | Christmas Club | |
0.10% | $300 | - | Key Savings |