CITIZENS&NORTHERN CORP is the bank holding company. CITIZENS & NORTHERN BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

CITIZENS&NORTHERN CORP

Legal name: CITIZENS & NORTHERN CORPORATION

1 active bank · $3.2B combined assets

RSSD ID: 1143623 (FFIEC NIC)

Combined Assets

$3.2B

CRA Rating Summary

Satisfactory1charter

Across all 12 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankCITIZENS & NORTHERN BANKWELLSBORO, PASatisfactory$3.2BView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$3.2B

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$2.6B

Net Income

$616K

ROA (avg)

0.08%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

1,079

Origination Rate

73.03%

Denial Rate

11.58%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Current Rating	Exam Date
CITIZENS & NORTHERN BANK	WELLSBORO, PA	FDIC	$3.2B	Satisfactory	Aug 2022

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.