BankRankedCitizens & Northern Bank
ROA: AdequateWellsboro, PA | Charter: SM | Holding Company: CITIZENS&NORTHERN CORP
Established: 1864-01-01
Total Assets
$3.12B
Total Deposits
$2.58B
Net Income
$24.8M
Branches
35
FDIC data last updated: April 2, 2026
Overview
Citizens & Northern Bank is a community bank, headquartered in Wellsboro, PA. With $3.12B in total assets, Citizens & Northern Bank holds a notable position in the U.S. banking landscape (Source: FDIC BankFind). The institution operates under a SM charter. It is part of the CITIZENS&NORTHERN CORP holding company.
Citizens & Northern Bank holds approximately $2.58B in total deposits (Source: FDIC BankFind). The bank operates 35 branches, indicating a more focused geographic footprint. Established 1864-01-01, the institution has a track record in the banking industry.
This profile uses publicly available government data to present a factual overview. It does not constitute an endorsement or recommendation of this institution. Consumers may wish to consider factors such as account fees, digital banking features, and customer service when evaluating any bank.
Financial Health Analysis
Return on Assets (ROA)
0.92%
National avg: 1.21%
Return on Equity (ROE)
8.13%
National avg: 11.47%
FDIC Insured
Yes
Up to $250,000 per depositor
Citizens & Northern Bank reports a Return on Assets (ROA) of 0.92%, which is below the national average of 1.21%, which may indicate lower profitability relative to assets (Source: FDIC BankFind). In practical terms, an ROA of 0.92% means that for every $100 in assets, the bank generates approximately $0.92 in profit.
The bank's Return on Equity (ROE) is 8.13%, which is below the national average of 11.47%, which may indicate lower efficiency in generating shareholder returns (Source: FDIC BankFind). ROE measures how effectively a bank uses shareholder equity to generate profit.
Citizens & Northern Bank reported positive net income of $24.8M in the most recent reporting period (Source: FDIC BankFind). Net income reflects overall profitability after all expenses, taxes, and provisions.
Past financial performance does not guarantee future stability or profitability. These metrics reflect a single reporting period and may vary from quarter to quarter. Consult a licensed financial professional before making banking decisions based on financial data.
Citizens & Northern Bank vs. national average
National averages calculated from all active FDIC-insured banks.
Customer Experience
CFPB complaint data is not available for Citizens & Northern Bank. This is common for smaller community banks and does not indicate a problem. The CFPB Consumer Complaint Database primarily tracks complaints for larger financial institutions that serve a high volume of consumers.
Branch and Access
Citizens & Northern Bank operates 35 branches, indicating a focused geographic presence (Source: FDIC BankFind). Smaller branch networks are common among community banks that serve specific local markets.
The bank is headquartered in Wellsboro, PA. Consumers considering this institution may want to verify branch locations near their home or workplace, as headquarter location does not always indicate where branches are concentrated.
Branch access is one factor in choosing a bank. Consumers who primarily use mobile and online banking may prioritize digital features and rates over physical branch proximity.
View banks in PAHow Citizens & Northern Bank compares to similar-sized banks
| Bank | Assets |
|---|---|
| Citizens & Northern Bank | $3.12B |
| Mercantile Bank | $6.24B |
| Five Star Bank | $6.24B |
| First International Bank & Trust | $6.16B |
| Middlesex Savings Bank | $6.16B |
Data Sources
FDIC BankFind: Financial data including total assets, deposits, net income, ROA, and ROE for all FDIC-insured institutions. https://banks.data.fdic.gov/
CFPB Consumer Complaint Database: Consumer complaint data by institution, including complaint volumes, response rates, and top issue categories. https://www.consumerfinance.gov/data-research/consumer-complaints/
Federal Reserve Economic Data (FRED): Interest rate benchmarks including the Federal Funds Rate, Treasury yields, and national savings rate averages. https://fred.stlouisfed.org/
BankRanked is not a bank, credit union, or financial advisor. This content is for educational purposes only and does not constitute financial advice. All data is sourced from publicly available government databases (FDIC, NCUA, CFPB, FRED). Consult a licensed financial professional before making banking decisions.