FDIC certificate 7799
Citizens & Northern Bank
Wellsboro, Pennsylvania · 90 Main St 16901
Hunter Score
This bank ranks below the middle of its size group.
Up 8 points from last quarter.
Compared with 265 banks with $3 billion to $10 billion in assets.
A high score is not a recommendation to buy or sell.
What stands out
Citizens & Northern Bank has a Hunter Score of 34 out of 100 for Q2 2026, ending June 30, 2026. This bank ranks below the middle of its size group. The comparison is with banks with $3 billion to $10 billion in assets.
The FDIC reported net interest margin of 4.10% (field NIMY). Among banks with $3 billion to $10 billion in assets, the peer rank for this measure is 77 out of 100. A rank of 50 is typical.
The FDIC reported noncurrent loans of 1.70% (field NCLNLSR). Among banks with $3 billion to $10 billion in assets, the peer rank for this measure is 13 out of 100. A rank of 50 is typical.
Warning flags
These are factual readings from FDIC fields. A flag is a reason to read the number, not a finding that the bank is unsafe.
None of the warning flags on this site are met for the latest quarter.
Held-to-maturity unrealized losses are not flagged. The FDIC file does not publish a held-to-maturity cost that we can subtract from fair value without guessing.
Similar banks
Other banks in Pennsylvania with $3 billion to $10 billion in assets, ordered by Hunter Score.
- ACNB Bank76out of 100
- Orrstown Bank67out of 100
- Firstrust Savings Bank66out of 100
- S&T Bank54out of 100
- Peoples Security Bank and Trust Company51out of 100
Top Hunter Scores in Pennsylvania · Top scores with $3 billion to $10 billion in assets
The five measures
Numbers below are for Q2 2026, ending June 30, 2026. They are copied from the FDIC. We do not recalculate them.
Return on equity (ROE)
8.61%
Profit for each dollar of the bank's capital. Higher is stronger.
Peer rank 19 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as ROE. A common benchmark is above 10%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Return on assets (ROA)
0.96%
Profit for each dollar of assets. Higher is stronger.
Peer rank 21 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as ROA. A common benchmark is above 1%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Net interest margin (NIM)
4.10%
The gap between what the bank earns on loans and securities and what it pays for funding. Higher means a wider gap.
Peer rank 77 out of 100. Stronger than most similar-sized banks.
More about this number
The FDIC reports this as NIMY. A common benchmark is above 3%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Efficiency ratio
57.94%
What the bank spends to produce a dollar of revenue. Lower is leaner.
Peer rank 42 out of 100. Near the middle of similar-sized banks.
More about this number
The FDIC reports this as EEFFR. A common benchmark is below 60%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Noncurrent loans
1.70%
Loans that are past due or no longer accruing interest, as a share of all loans. Lower is safer.
Peer rank 13 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as NCLNLSR. A common benchmark is below 1%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Recent quarters
- Q2 2026, ending June 30, 202634 out of 100
- Q1 2026, ending March 31, 202626 out of 100
- Q4 2025, ending December 31, 202527 out of 100
- Q3 2025, ending September 30, 202538 out of 100
- Q2 2025, ending June 30, 202540 out of 100
Download these quarters with Pro
Mergers in the FDIC history file
- 2025-10-01: Merger -Without Assistance. Susquehanna Community Bank and Citizens & Northern Bank.
Older quarters
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About this bank
- Total assets
- $3.1 billion
- Deposits
- $2.6 billion
- Equity
- $355.8 million
- Tangible equity
- $292.5 millionBank-level FDIC equity minus goodwill and other intangible assets (FDIC fields EQ and INTANGW). This is not the holding company's tangible book, and it is not per share.
- Offices
- 35
- Charter
- State bank and Federal Reserve member
- Specialty
- Commercial Lending Specialization
- Community bank
- Yes, by the FDIC definition
- Net income
- $15.1 millionYear-to-date, as reported. Not annualized.
Holding company and stock symbol
Holding company: Citizens&Northern Corp, Wellsboro, PA. Federal Reserve RSSD 1143623.
Stock symbol CZNC on Nasdaq. We matched the holding company's name to one SEC filing. Checked 2026-10-24. We do not show stock prices. Check the price on Yahoo Finance, then type it into the calculator below.
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Price-to-tangible-book calculator
This calculator estimates a fair multiple of tangible book value from the bank's return on equity. It is separate from the Hunter Score. It is not a price target.
Where it is
90 Main St, Wellsboro, PA 16901
Showing the main office reported to the FDIC. Use the plus and minus buttons on the map to zoom. Map data is from OpenStreetMap.