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Citizens & Northern Bank

Wellsboro, PA · Cert 7799 · Citizens&Northern Corp.

State charter, Fed member · FED · 35 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

53

Q2 2024Q2 2026peer median (50)

Asset Quality

9

Q2 2024Q2 2026peer median (50)

Profitability

42

Q2 2024Q2 2026peer median (50)

Liquidity

83

Q2 2024Q2 2026peer median

Efficiency

48

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Citizens & Northern Bank

Wellsboro, PA · Cert 7799 · Citizens&Northern Corp.

State charter, Fed member · FED · 35 branches

Q2 2026

$3.1BAssets
$2.4BLoans
$2.6BDeposits
$355.8MEquity
Loan mix
90%RE $2.0B9%C&I $0.2B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $2.0B22%Noninterest $0.6BQ2 2025Q2 2026

NIM

4.77%Q2 ’244.90%Q2 ’255.18%Q2 ’26+5%+17%

Non-interest income vs. expense

2.88%Q2 ’242.91%Q2 ’252.91%Q2 ’260%+2%

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.1% share · #37 of 88 inst. · $0.4B of $685.1B

34.9% Bradford
38.2% Tioga
1.6% Bucks
10.9% Lycoming

Executive Summary

  • Earnings: ROA of 0.96%, down 5 bps year over year; NIM at 3.79%.
  • Asset quality: problem loans at 1.70% of loans (+39 bps YoY), with net charge-offs at 0.88%.
  • Capital: tier 1 leverage ratio of 9.96%, down 66 bps from a year ago.
  • Funding: loans stand at 90.16% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.96%-5 bps YoY

Net Interest Margin (YTD, annualized)

3.79%+54 bps YoY

Efficiency Ratio (YTD, annualized)

57.94%-853 bps YoY

Tier 1 Leverage Ratio

9.96%-66 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.01%1.02%0.92%0.08%0.96%-5 bps
Return on Equity9.02%9.07%8.13%0.71%8.61%-41 bps
Net Interest Margin3.25%3.30%2.98%3.72%3.79%+54 bps
Efficiency Ratio66.47%65.59%69.39%58.76%57.94%-853 bps
Non-Interest Burden1.74%1.75%1.76%1.81%1.77%+3 bps
Growth
Asset Growth (YoY)0.74%-0.20%20.14%21.45%20.97%+2,023 bps
Loan Growth (YoY)1.49%2.67%24.11%25.72%22.39%+2,090 bps
Deposit Growth (YoY)2.55%1.50%22.42%23.59%22.70%+2,015 bps
Asset Quality
Nonperforming Loans / Loans1.31%1.38%1.40%1.76%1.70%+39 bps
Net Charge-Offs / Loans0.07%0.05%0.07%1.81%0.88%+82 bps
Allowance / Loans1.13%1.21%1.32%1.42%1.38%+26 bps
Allowance Coverage of NPLs0.9x0.9x0.9x0.8x0.8x0.0x
Capital
Tier 1 Leverage Ratio10.62%10.61%9.66%9.65%9.96%-66 bps
Total Risk-Based Capital15.21%15.23%13.82%13.49%14.10%-111 bps
Equity / Assets11.39%11.44%11.25%10.94%11.32%-7 bps
Liquidity & Funding
Loans / Deposits90.39%89.13%91.14%91.14%90.16%-22 bps
Liquid Assets / Assets2.80%3.54%0.75%0.75%1.78%-102 bps
CRE / Total Capitaln/a374%412%422%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Citizens & Northern Bank

Wellsboro, PA · Cert 7799 · Peer group: banks $1B-$10B in assets (n=322-328) · Citizens&Northern Corp.

State charter, Fed member · FED · 35 branches

Q2 2026

$3.1BAssets
$2.4BLoans
$2.6BDeposits
$355.8MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 73% of banks $1B-$10B in assets (rank 89 of 328).
  • Widest gap: net charge-offs / loans trails 93% of banks $1B-$10B in assets (rank 301 of 322).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.96%

Rank 237 of 328

Net Interest Margin

3.79%

Rank 89 of 328

Efficiency Ratio

60.07%

Rank 170 of 328

Equity / Assets

11.32%

Rank 116 of 328

Non-interest income vs. expense

$36.0M$92.0MINCOMEEXPENSE
Unfavorable gap of $56.0M · efficiency ratio beats 48% of banks $1B-$10B in assets
Bank 60.07%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.96%0.91%1.22%1.52%Beats 28%237 / 328
Return on Equity8.49%8.43%11.45%14.43%Beats 25%245 / 328
Net Interest Margin3.79%3.03%3.45%3.83%Beats 73%89 / 328
Efficiency Ratio60.07%51.61%59.56%67.53%Beats 48%170 / 328
Asset Quality
Nonperforming Loans / Loans1.70%0.24%0.51%1.03%Beats 11%286 / 322
Net Charge-Offs / Loans0.47%0.01%0.03%0.10%Beats 7%301 / 322
Capital
Tier 1 Capital Ratio12.85%11.75%13.15%15.47%Beats 46%177 / 328
Total Risk-Based Capital Ratio14.10%12.63%14.15%16.46%Beats 49%166 / 328
Equity / Assets11.32%9.15%10.33%12.01%Beats 65%116 / 328
Liquidity & Funding
Loans / Deposits90.17%76.63%87.92%95.36%56th pctl141 / 323
Loans / Assets74.89%65.18%74.15%79.98%53rd pctl155 / 328
Brokered Deposits / Depositsn/aNot reported for this institution