Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · catalog mismatch

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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

CITIZENS&NORTHERN BANK

FDIC #7799 · PA · period 20260630

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Total assets1,202,804-1.37% YoY

Total deposits959,980-2.72% YoY

Net loans and leases694,470-7.83% YoY

Return on assets1.14%+1.05% YoY

Return on equity8.16%-2.28% YoY

Net interest margin3.54%-0.34% YoY

Peer position

Return on assets28thopportunity · n=902

Return on equity24thopportunity · n=894

Net interest margin74thstrength · n=902

Equity to assets65thin line · n=894

Noncurrent loans12thopportunity · n=887

Liquid assets39thin line · n=895

Brokered deposits100thstrength · n=890

Loans to deposits45thin line · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	1,202,804	959,980	694,470	1.14	8.16	3.54
2016-06-30	1,216,654	973,720	720,294	1.21	8.67	3.53
2016-09-30	1,230,460	997,839	734,538	1.22	8.70	3.53
2016-12-31	1,228,026	990,241	743,504	1.24	8.96	3.54
2017-03-31	1,219,470	986,788	753,440	1.13	8.35	3.56
2017-06-30	1,228,726	1,004,023	772,765	1.23	9.00	3.59
2017-09-30	1,245,407	1,028,781	792,549	1.24	9.11	3.62
2017-12-31	1,262,642	1,016,035	807,622	1.08	8.00	3.64
2018-03-31	1,243,854	1,025,749	808,525	1.41	10.70	3.73
2018-06-30	1,269,686	1,048,640	809,993	1.73	13.15	3.78
2018-09-30	1,271,233	1,052,006	814,268	1.76	13.37	3.82
2018-12-31	1,276,156	1,041,526	818,467	1.78	13.37	3.88
2019-03-31	1,274,896	1,057,244	817,136	1.62	11.99	3.93
2019-06-30	1,593,961	1,291,901	1,109,614	1.32	9.64	4.03
2019-09-30	1,626,874	1,302,218	1,132,176	1.34	9.72	4.00
2019-12-31	1,638,285	1,259,440	1,173,153	1.37	9.91	3.96
2020-03-31	1,613,394	1,257,017	1,156,722	1.06	7.42	3.78
2020-06-30	1,728,771	1,410,162	1,231,645	1.19	8.74	3.70
2020-09-30	2,336,178	1,878,549	1,681,817	0.98	7.39	3.78
2020-12-31	2,222,478	1,827,881	1,633,766	1.07	8.09	3.85
2021-03-31	2,317,053	1,931,354	1,606,491	1.59	12.31	3.87
2021-06-30	2,322,407	1,955,683	1,587,744	1.44	11.18	3.71
2021-09-30	2,338,322	1,973,967	1,565,114	1.40	10.95	3.71
2021-12-31	2,311,213	1,959,117	1,552,700	1.39	10.80	3.72
2022-03-31	2,314,317	1,992,770	1,526,682	1.27	10.21	3.87
2022-06-30	2,394,714	1,981,582	1,645,292	1.30	10.83	3.77
2022-09-30	2,385,461	2,058,717	1,674,256	1.13	9.80	3.81
2022-12-31	2,439,371	2,016,666	1,723,967	1.18	10.46	3.87
2023-03-31	2,414,510	1,934,686	1,727,622	1.09	10.24	3.78
2023-06-30	2,457,332	2,025,471	1,795,944	1.08	10.22	3.72
2023-09-30	2,470,946	2,040,506	1,813,691	1.16	11.02	3.66
2023-12-31	2,501,822	2,030,909	1,829,514	1.05	9.93	3.62
2024-03-31	2,507,817	2,012,167	1,853,045	0.90	8.31	3.40
2024-06-30	2,579,229	2,074,806	1,874,526	0.96	8.87	3.40
2024-09-30	2,656,955	2,152,136	1,875,793	0.98	9.05	3.40
2024-12-31	2,598,537	2,111,547	1,878,298	1.06	9.80	3.43
2025-03-31	2,596,960	2,120,521	1,879,730	1.02	9.17	3.42
2025-06-30	2,598,271	2,127,673	1,901,485	1.01	9.02	3.52
2025-09-30	2,651,527	2,184,401	1,923,431	1.02	9.07	3.59
2025-12-31	3,121,896	2,584,952	2,324,908	0.92	8.13	3.75
2026-03-31	3,153,919	2,620,675	2,354,679	0.08	0.71	4.02
2026-06-30	3,143,130	2,610,552	2,321,221	0.96	8.61	4.10

Structure and branch footprint

35 current branch locations across 2 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2025-10-01	1	556011	895710
2020-07-01	1	3540310	895710
2019-04-01	1	3616309	895710
2010-09-01	1	284408	895710
2007-05-01	1	343314	895710
1990-05-01	1	79716	895710
1984-01-01	1	200510	895710
1977-10-01	1	551717	895710
1972-05-01	1	856917	895710
1971-10-01	1	87010	895710

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.