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BDI
C&

Citizens & Northern Bank

Wellsboro, PennsylvaniaFDIC Cert #7799

STATEEstablished 186435 branches

Holding company: CITIZENS&NORTHERN CORPRegulator: FED

FDICCERT + OFFDOM

Balance sheet & income statement

Financials

Reported balance-sheet positions and year-to-date earnings from the latest FDIC Call Report.

As of Q1 2026

Balance sheet trend

Assets & deposits

Time range
Reporting mode
Assets and deposits by reporting quarter
QuarterAssetsDeposits
Q2 2021$2.32B$1.96B
Q3 2021$2.34B$1.97B
Q4 2021$2.31B$1.96B
Q1 2022$2.31B$1.99B
Q2 2022$2.39B$1.98B
Q3 2022$2.39B$2.06B
Q4 2022$2.44B$2.02B
Q1 2023$2.41B$1.93B
Q2 2023$2.46B$2.03B
Q3 2023$2.47B$2.04B
Q4 2023$2.5B$2.03B
Q1 2024$2.51B$2.01B
Q2 2024$2.58B$2.07B
Q3 2024$2.66B$2.15B
Q4 2024$2.6B$2.11B
Q1 2025$2.6B$2.12B
Q2 2025$2.6B$2.13B
Q3 2025$2.65B$2.18B
Q4 2025$3.12B$2.58B
Q1 2026$3.15B$2.62B

Balance sheet

Core assets, funding, and capital reported at quarter end.

Assets
$3.15B
+21.4%y/y
Percentile by value6th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICASSET
Deposits
$2.62B
+23.6%y/y
Percentile by value5th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICDEP
Gross loans
$2.39B
+25.7%y/y
Percentile by value13th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICLNLSGR
Net loans
$2.35B
+25.3%y/y
Percentile by value13th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICLNLSNET
Securities
$489M
+22.8%y/y
Percentile by value30th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICSC
Cash
$54.3M
−52.5%y/y
Percentile by value4th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICCHBAL
Liabilities
$2.81B
+21.8%y/y
Percentile by value8th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICLIAB
Equity
$345M
+18.4%y/y
Peer standing14th percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICEQ

Income statement

Year-to-date reported earnings and core revenue components.

Revenue
$36.9M
+35.6%y/y
Peer standing25th percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICNIM + NONII
NII
$28.7M
+41.9%y/y
Peer standing20th percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICNIM
Noninterest income
$8.2M
+17.2%y/y
Peer standing48th percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICNONII
Provision
$13.6M
+5,663.6%y/y
Percentile by value97th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICELNATR
Pretax income
$807K
−90.1%y/y
Peer standing1st percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICPTAXNETINC
Net income
$616K
−90.7%y/y
Peer standing1st percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICNETINC