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Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026
Q2 2026 · 4,313 institutions · refreshed 8/27/2026
Regulatory profile
Wellsboro, PA · FDIC certificate #7799 · RSSD 895710
CITIZENS&NORTHERN BANK is an FDIC-insured institution based in Wellsboro, PA (FDIC certificate #7799). In its Q2 2026 Call Report it reported total assets of $3.1B, total deposits of $2.6B and net loans of $2.3B. Its primary federal regulator is FED.
Reported facts
Deterministic ratios for CITIZENS&NORTHERN BANK from its Q2 2026 Call Report. Detailed loan and deposit composition follows below.
| Common equity tier 1 ratio | 12.85% |
|---|---|
| Equity to assets | 11.32% |
| Noncurrent loans ratio | 1.70% |
| Nonaccrual loans ratio | 1.69% |
| Loan to deposit ratio | 90.16% |
| Liquid assets ratio | 18.16% |
| Brokered deposit ratio | 0.00% |
| Total deposits | $2.6B |
| Net loans and leases | $2.3B |