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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

4.85%Q2 ’244.95%Q2 ’255.25%Q2 ’26+7%+16%

Non-interest income vs. expense

2.95%Q2 ’242.93%Q2 ’252.97%Q2 ’26-3%+3%

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 1.84%, up 84 bps year over year; NIM at 3.87%.
  • Asset quality: problem loans at 1.70% of loans (+39 bps YoY), with net recoveries of 0.07%.
  • 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 (quarter, annualized)

1.84%+84 bps YoY

Net Interest Margin (quarter, annualized)

3.87%+52 bps YoY

Efficiency Ratio (quarter, annualized)

57.19%-716 bps YoY

Tier 1 Leverage Ratio

9.96%-66 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.00%1.05%0.67%0.08%1.84%+84 bps
Return on Equity8.87%9.19%5.92%0.71%16.52%+766 bps
Net Interest Margin3.34%3.48%3.69%3.72%3.87%+52 bps
Efficiency Ratio64.35%63.93%78.25%58.76%57.19%-716 bps
Non-Interest Burden1.68%1.80%2.70%1.81%1.73%+6 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 / Loans0.11%0.02%0.15%1.81%-0.07%-18 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