Citizens & Northern Bank is a bank based in Wellsboro, Pennsylvania, established in 1864, with $3.2 billion in total assets across 35 branches. By Trust Grade it ranks 74th of 110 banks we track in Pennsylvania. Its capital ratio of 10.9% is stronger than 61% of similarly sized banks, versus a Pennsylvania median of 10.7%. It was profitable over the most recent period, with a 0.08% return on assets. No consumer complaints against Citizens & Northern Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Citizens & Northern Bank compares to Pennsylvania peers
How we graded Citizens & Northern Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (10.9% capital ratio)
- Profitable (ROA 0.08%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Citizens & Northern Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (35)
- 6250 County Route 64, Hornell, NY 14843
- 1827 Elmira St, Sayre, PA 18840
- 111 W. Main Street, Dushore, PA 18614
- 1467 Golden Mile Rd, Wysox, PA 18854
- 64 Elmira St, Troy, PA 16947
- 104 Main Street, Elkland, PA 16920
- 102 East Main Street, Route 49, Knoxville, PA 16928
- 4534 Williamson Trl, Liberty, PA 16930
- 41 Main Street, Tioga, PA 16946
- 1085 S Main St, Mansfield, PA 16933
- 40 Hardees Drive, Mifflinburg, PA 17844
- 2005 W Market St, Lewisburg, PA 17837
- 1025 Main St, Watsontown, PA 17777
- 135 E 4th St, Emporium, PA 15834
- 3461 Route 405 Hwy, Muncy, PA 17756
- 130 Court St, Williamsport, PA 17701
- 2 E Mountain Ave, South Williamsport, PA 17702
- 19179 Route 522, Beaver Springs, PA 17812
- 230 Railroad St, Jersey Shore, PA 17740
- 1510 Dewey Ave, Williamsport, PA 17701
- 60 N Main St, Doylestown, PA 18901
- 465 N Main St, Doylestown, PA 18901
- 423/433 Reuter Boulevard, Towanda, PA 18848
- 563 Main St, East Smithfield, PA 18817
- 514 Main Street, Laporte, PA 18626
- 423/433 Reuter Blvd, Towanda, PA 18848
- 90 Main St, Wellsboro, PA 16901
- 3 Terry Drive, Newtown, PA 18940
- 940 High St, West Milton, PA 17886
- 397 Point Township Dr, Northumberland, PA 17857
- 2409 E 3rd St, Williamsport, PA 17701
- 2951 Whiteford Rd, York, PA 17402
- 2098 Spring Valley Rd, Lancaster, PA 17601
- 500 Chesterbrook Blvd, Wayne, PA 19087
- 10 N Main St, Coudersport, PA 16915
Are deposits at Citizens & Northern Bank insured?
Yes. Citizens & Northern Bank is an FDIC-insured bank (FDIC certificate #7799). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Citizens & Northern Bank: frequently asked questions
Is Citizens & Northern Bank a good bank?
Citizens & Northern Bank earns a Bankzia Trust Grade of A (91/100, "Excellent"), based on a financial-strength score of 91/100 (it has no CFPB complaints on record). Strongly capitalized (10.9% capital ratio); Profitable (ROA 0.08%).
Is Citizens & Northern Bank FDIC-insured?
Yes. Citizens & Northern Bank is a FDIC-insured bank (FDIC certificate #7799). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Citizens & Northern Bank?
Citizens & Northern Bank holds $3.2 billion in total assets, ranking 74th of 110 banks we track in Pennsylvania. It operates 35 branches.
Does Citizens & Northern Bank have CFPB complaints?
No CFPB complaints against Citizens & Northern Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
