Citizens & Northern Bank
Wellsboro, PA · Owner: Citizens & Northern Corporation
$3.1B
total assets, June 30, 2026
$3.1B
total assets, June 30, 2026
Citizens & Northern Bank is a state member bank based in Wellsboro, PA, owned by Citizens & Northern Corporation (CZNC). As of June 30, 2026 it held $3.1 billion in assets and $2.6 billion in deposits; assets were up 21.0% from a year before. It has 35 branches in 2 states.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$3.1B
+21.0% in a year · -0.3% in a quarter
Deposits
$2.6B
+22.7% in a year · -0.4% in a quarter
Loans
$2.4B
+22.4% in a year · -1.5% in a quarter
Profit so far
$15.1M
Jan 1 to Jun 30, 2026 · +15.1% in a year
Capital ratio
9.96%
-0.66 pts in a year
Return on assets
0.96%
-0.05 pts in a year
Facts
- Type
- State member bank
- Head office
- 90 Main St, Wellsboro, PA, 16901
- County
- Tioga
- Holding company
- Citizens & Northern Corporation (CZNC)
- Established
- Jan 1, 1864
- Employees
- 453
- Branches
- 35 in 2 states
- Website
- www.cnbankpa.com
- Id
- b7799
Quarter by quarter
March 31, 1984 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
35 offices as of June 30, 2026, holding $2.6 billion in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| Pennsylvania | 34 | $2.5B | 96.9% |
| New York | 1 | $80.6M | 3.1% |
| Largest branches | Place | Deposits |
|---|---|---|
| Doylestown Branch | Doylestown, PA | $320M |
| Citizens & Northern Bank (main office) | Wellsboro, PA | $200M |
| Williamsport Court St. Branch | Williamsport, PA | $145M |
| Susquehanna Branch | West Milton, PA | $134M |
| Sayre Branch | Sayre, PA | $129M |
| Troy Branch | Troy, PA | $126M |
| Towanda Branch | Towanda, PA | $122M |
| East Buffalo Branch | Lewisburg, PA | $120M |
| Newtown Branch | Newtown, PA | $95.6M |
| Wysox Branch | Wysox, PA | $88.8M |
Related pages
Questions and answers
How big is Citizens & Northern Bank?
$3.1 billion in total assets and $2.6 billion in deposits as of June 30, 2026, with assets up 21.0% from a year before. Its loans were $2.4 billion.
How many branches does Citizens & Northern Bank have?
35 branches in 2 states as of June 30, 2026. The most deposits are in Pennsylvania ($2.5 billion).
Is Citizens & Northern Bank profitable?
Yes: it earned $15.1 million from January 1 to June 30, 2026 (up 15.1% from the same months a year before). Its return on assets was 0.96% a year; about 1% is typical.
Who owns Citizens & Northern Bank?
Citizens & Northern Bank is owned by Citizens & Northern Corporation, its holding company, which is listed as CZNC.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.