Total Assets
$3.1B
Total Deposits
$2.6B
Branches
35
Established
1864
Citizens & Northern Bank is a bank headquartered in Wellsboro, Pennsylvania, established in 1864. It holds $3.1B in total assets across 35 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Citizens & Northern Bank earns a TFS Financial Health Grade of B- (73.7/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
73.7 / 100
Good financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Citizens & Northern BankHQ | 90 Main St | Wellsboro | PA | 11 |
| Citizens & Northern Bank | 6250 County Route 64 | Hornell | NY | 11 |
| Citizens & Northern Bank | 19179 Route 522 | Beaver Springs | PA | 11 |
| Citizens & Northern Bank | 10 N Main St | Coudersport | PA | 11 |
| Citizens & Northern Bank | 465 N Main St | Doylestown | PA | 11 |
| Citizens & Northern Bank | 60 N Main St | Doylestown | PA | 11 |
| Citizens & Northern Bank | 111 W. Main Street | Dushore | PA | 11 |
| Citizens & Northern Bank | 563 Main St | East Smithfield | PA | 11 |
| Citizens & Northern Bank | 104 Main Street | Elkland | PA | 11 |
| Citizens & Northern Bank | 135 E 4th St | Emporium | PA | 11 |
| Citizens & Northern Bank | 230 Railroad St | Jersey Shore | PA | 11 |
| Citizens & Northern Bank | 102 East Main Street, Route 49 | Knoxville | PA | 11 |
| Citizens & Northern Bank | 2098 Spring Valley Rd | Lancaster | PA | 11 |
| Citizens & Northern Bank | 514 Main Street | Laporte | PA | 11 |
| Citizens & Northern Bank | 2005 W Market St | Lewisburg | PA | 11 |
| Citizens & Northern Bank | 4534 Williamson Trl | Liberty | PA | 11 |
| Citizens & Northern Bank | 1085 S Main St | Mansfield | PA | 11 |
| Citizens & Northern Bank | 40 Hardees Drive | Mifflinburg | PA | 11 |
| Citizens & Northern Bank | 3461 Route 405 Hwy | Muncy | PA | 11 |
| Citizens & Northern Bank | 3 Terry Drive | Newtown | PA | 11 |
| Citizens & Northern Bank | 397 Point Township Dr | Northumberland | PA | 11 |
| Citizens & Northern Bank | 1827 Elmira St | Sayre | PA | 11 |
| Citizens & Northern Bank | 2 E Mountain Ave | South Williamsport | PA | 11 |
| Citizens & Northern Bank | 41 Main Street | Tioga | PA | 11 |
| Citizens & Northern Bank | 423/433 Reuter Boulevard | Towanda | PA | 11 |
| Citizens & Northern Bank | 423/433 Reuter Blvd | Towanda | PA | 11 |
| Citizens & Northern Bank | 64 Elmira St | Troy | PA | 11 |
| Citizens & Northern Bank | 1025 Main St | Watsontown | PA | 11 |
| Citizens & Northern Bank | 500 Chesterbrook Blvd | Wayne | PA | 11 |
| Citizens & Northern Bank | 940 High St | West Milton | PA | 11 |
| Citizens & Northern Bank | 1510 Dewey Ave | Williamsport | PA | 11 |
| Citizens & Northern Bank | 130 Court St | Williamsport | PA | 11 |
| Citizens & Northern Bank | 2409 E 3rd St | Williamsport | PA | 11 |
| Citizens & Northern Bank | 1467 Golden Mile Rd | Wysox | PA | 11 |
| Citizens & Northern Bank | 2951 Whiteford Rd | York | PA | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
73.7
Tier 1 capital ratio
9.96%
Return on assets
0.96%
Non-performing loans
1.70%
Efficiency ratio
57.94%
Asset growth (YoY)
20.97%
Suggested direct comparisons
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.