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Citizens & Northern Bank

$1B-$10B Specialty: Commercial PA FDIC cert 7799

Designations: ✓ Community bank

Wellsboro, PA

35 branches across PA · NY

884 banks in the $1B-$10B peer group nationally 37 in PA
View $1B-$10B leaderboard (PA) →

Citizens & Northern Bank has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.20% above tier average
  • + Efficiency Ratio 2.30% below tier average

Key Concerns

Areas that may need attention

  • - Return on Assets 1.29% below tier average
  • - Delinquency Rate 0.89% above tier average
Get updates when Citizens & Northern Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Total Assets ? $3.2B
+21.4% YoY +1.0% QoQ
+$338.2M $2.8B
-0.1% YoY
$3.1B
+7.0% YoY
$6.2B
+9.1% YoY
72%
Total Loans ? $2.4B
+25.3% YoY +1.3% QoQ
+$389.8M $2.0B
+0.6% YoY
$2.2B
+7.7% YoY
$3.2B
+10.8% YoY
74%
Total Deposits ? $2.6B
+23.6% YoY +1.4% QoQ
+$277.4M $2.3B
-0.3% YoY
$2.6B
+7.1% YoY
$4.8B
+8.2% YoY
72%
Return on Assets ? 0.08%
-92.3% YoY -91.4% QoQ
-1.29% 1.37%
+19.6% YoY
1.46%
+26.2% YoY
1.23%
+13.4% YoY
Bottom 2.6% in tier
Net Interest Margin ? 4.02%
+17.5% YoY +7.1% QoQ
+0.20% 3.82%
+6.9% YoY
3.32%
+8.7% YoY
3.89%
+5.7% YoY
73%
Efficiency Ratio ? 58.76%
-14.6% YoY -15.3% QoQ
-2.30% 61.06%
-4.6% YoY
69.09%
-7.7% YoY
66.95%
-4.1% YoY
53%
Delinquency Rate ? 1.78%
+38.7% YoY +25.7% QoQ
+0.89% 0.89%
+14.1% YoY
0.92%
+20.5% YoY
0.95%
+18.8% YoY
Bottom 11.1% in tier
Loan-to-Deposit Ratio ? 89.85%
+1.4% YoY -0.1% QoQ
+5.65% 84.20%
+0.3% YoY
83.35%
-0.2% YoY
76.70%
+0.9% YoY
39%
Non-Interest-Bearing Deposit Share ? 22.40%
-6.2% YoY +5.4% QoQ
+1.11% 21.29%
-2.5% YoY
17.71%
-0.1% YoY
22.01%
-1.2% YoY
62%
Nonperforming Asset Ratio ? 1.34%
+42.5% YoY +25.9% QoQ
+0.66% 0.67%
+15.6% YoY
0.67%
+14.7% YoY
0.67%
+19.3% YoY
Bottom 12.8% in tier
Tier 1 Capital Ratio ? 12.24%
-13.5% YoY -2.8% QoQ
-2.92% 15.16%
+2.0% YoY
20.10%
+0.3% YoY
17.06%
+0.8% YoY
37%
Non-Interest Income / Assets ? 0.26%
-3.5% YoY -73.7% QoQ
+0.00% 0.26%
+1.6% YoY
0.69%
+18.0% YoY
0.32%
+4.1% YoY
82%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 884 peers in $1B-$10B

Top Strengths (1 metrics)

164
Non-Interest Income / Assets
revenue_mix
Value: 0.26%
Peer Median: 0.26%
#164 of 884 Top 18.4% in $1B-$10B

Top Weaknesses (3 metrics)

862
Return on Assets
profitability
Value: 0.08%
Peer Median: 1.37%
#862 of 884 Bottom 2.6% in $1B-$10B
783
Delinquency Rate
credit_quality
Value: 1.78%
Peer Median: 0.89%
#783 of 880 Bottom 11.1% in $1B-$10B
772
Nonperforming Asset Ratio
credit_quality
Value: 1.34%
Peer Median: 0.67%
#772 of 884 Bottom 12.8% in $1B-$10B
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