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
Unfavorable gap of $56.0M · efficiency ratio beats 48% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.96% | 0.91% | 1.22% | 1.52% | Beats 28% | 237 / 328 | |
| Return on Equity | 8.49% | 8.43% | 11.45% | 14.43% | Beats 25% | 245 / 328 | |
| Net Interest Margin | 3.79% | 3.03% | 3.45% | 3.83% | Beats 73% | 89 / 328 | |
| Efficiency Ratio | 60.07% | 51.61% | 59.56% | 67.53% | Beats 48% | 170 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.70% | 0.24% | 0.51% | 1.03% | Beats 11% | 286 / 322 | |
| Net Charge-Offs / Loans | 0.47% | 0.01% | 0.03% | 0.10% | Beats 7% | 301 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 12.85% | 11.75% | 13.15% | 15.47% | Beats 46% | 177 / 328 | |
| Total Risk-Based Capital Ratio | 14.10% | 12.63% | 14.15% | 16.46% | Beats 49% | 166 / 328 | |
| Equity / Assets | 11.32% | 9.15% | 10.33% | 12.01% | Beats 65% | 116 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 90.17% | 76.63% | 87.92% | 95.36% | 56th pctl | 141 / 323 | |
| Loans / Assets | 74.89% | 65.18% | 74.15% | 79.98% | 53rd pctl | 155 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |