Wellsboro, PA · Cert 7799 · Citizens&Northern Corp.
State charter, Fed member · FED · 35 branches
Q2 2026
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.1% share · #37 of 88 inst. · $0.4B of $685.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | 1.06% | 1.02% | 1.01% | 1.02% | 0.92% | 0.08% | 0.96% | -5 bps | |
| Return on Equity | 9.05% | 9.80% | 9.17% | 9.02% | 9.07% | 8.13% | 0.71% | 8.61% | -41 bps | |
| Net Interest Margin | 3.06% | 3.07% | 3.18% | 3.25% | 3.30% | 2.98% | 3.72% | 3.79% | +54 bps | |
| Efficiency Ratio | 67.70% | 66.75% | 68.78% | 66.47% | 65.59% | 69.39% | 58.76% | 57.94% | -853 bps | |
| Non-Interest Burden | 1.69% | 1.66% | 1.82% | 1.74% | 1.75% | 1.76% | 1.81% | 1.77% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.53% | 3.87% | 3.55% | 0.74% | -0.20% | 20.14% | 21.45% | 20.97% | +2,023 bps | |
| Loan Growth (YoY) | 3.52% | 2.68% | 1.43% | 1.49% | 2.67% | 24.11% | 25.72% | 22.39% | +2,090 bps | |
| Deposit Growth (YoY) | 5.47% | 3.97% | 5.38% | 2.55% | 1.50% | 22.42% | 23.59% | 22.70% | +2,015 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.29% | 1.26% | 1.27% | 1.31% | 1.38% | 1.40% | 1.76% | 1.70% | +39 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.08% | 0.02% | 0.07% | 0.05% | 0.07% | 1.81% | 0.88% | +82 bps | |
| Allowance / Loans | 1.08% | 1.06% | 1.06% | 1.13% | 1.21% | 1.32% | 1.42% | 1.38% | +26 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.8x | 0.8x | 0.9x | 0.9x | 0.9x | 0.8x | 0.8x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.15% | 10.23% | 10.59% | 10.62% | 10.61% | 9.66% | 9.65% | 9.96% | -66 bps | |
| Total Risk-Based Capital | 14.96% | 15.19% | 15.23% | 15.21% | 15.23% | 13.82% | 13.49% | 14.10% | -111 bps | |
| Equity / Assets | 10.82% | 10.99% | 11.22% | 11.39% | 11.44% | 11.25% | 10.94% | 11.32% | -7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.11% | 89.90% | 89.60% | 90.39% | 89.13% | 91.14% | 91.14% | 90.16% | -22 bps | |
| Liquid Assets / Assets | 5.90% | 4.03% | 3.00% | 2.80% | 3.54% | 0.75% | 0.75% | 1.78% | -102 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 374% | 412% | 422% | n/a | n/a | |