Total Assets
$3.1B
Total balance-sheet footings
FDIC Cert #7799 · Wellsboro, Pennsylvania · Est. 1864
Citizens & Northern Bank - FDIC Bank Health Profile
A community-scale look at Citizens & Northern Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $3.1B
- Total assets
- B
- Health grade · Good
- 0.92%
- Return on assets
- 12.6%
- Tier 1 capital
Data updated July 2026
The verdict
Citizens & Northern Bank earns a PlainBankData health grade of B (73/100), with well-capitalized at 12.59% Tier 1, 0.92% ROA, 69% efficiency ratio.
- #411
- largest of 4,313 FDIC banks by assets
- 91st
- percentile by asset size, nationally
- 12.59%
- Tier 1 ratio - above the 10% well-capitalized line
- 37th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Citizens & Northern Bank's 73/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Citizens & Northern Bank's composite health score
Tier 1 Capital Ratio (12.59%) 35/40
Return on Assets (ROA) (0.92%) 14/25
Texas Ratio (8.61%) 16/20
Efficiency Ratio (69.39%) 8/15
73 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$2.6B
Customer-funded liabilities
Net Loans
$2.3B
Outstanding loan book
Net Income
$25M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Citizens & Northern Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Citizens & Northern Bank's score of 73/100 falls in the highlighted band.
Citizens & Northern Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Citizens & Northern Bank's $3.1B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.59% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.59%
Texas Ratio
8.61%
Equity Capital
$351M
Profitability metrics
Return on Assets (ROA)
37th percentile nationally
0.92%
Return on Equity (ROE)
8.13%
Efficiency Ratio
69.39%
What the numbers say about Citizens & Northern Bank
Citizens & Northern Bank is an FDIC-insured institution (Certificate #7799) headquartered in Wellsboro, Pennsylvania, established in 1864. It holds $3.1B in total assets - 411th of 4,313 FDIC-insured banks, $2.6B in customer deposits, and $2.3B in net loans. Capital-wise, the Tier 1 ratio sits at 12.59%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 8.61%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (73 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, Citizens & Northern Bank sits in the top decile of all FDIC-insured institutions by asset size (411th of 4,313), and within Pennsylvania it ranks 17th of 112 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is LINKBANK, at $3.1B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$139M
Interest Income
$31M
Non-Interest Income
$87M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Citizens & Northern Bank reports a Texas Ratio of 8.61% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
8.61% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Pennsylvania by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Citizens & Northern Bank (FDIC Cert #7799) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Pennsylvania
All Pennsylvania banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First National Bank of PennsylvaniaGreenville | $50.0B | A | 1.29% |
| Fulton Bank, National AssociationLancaster | $32.0B | A | 1.33% |
| BNY Mellon, National AssociationPittsburgh | $31.3B | B | 0.94% |
| Customers BankMalvern | $24.9B | A | 1.01% |
| TriState Capital BankPittsburgh | $23.3B | A | 0.78% |
| Northwest BankWarren | $16.8B | B | 0.92% |
| Dollar Bank, Federal Savings BankPittsburgh | $12.5B | B | 0.53% |
| First Commonwealth BankIndiana | $12.3B | B | 1.33% |
Frequently asked questions
What is Citizens & Northern Bank's health grade?▼
Citizens & Northern Bank receives a health grade of B (73/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Citizens & Northern Bank?▼
Citizens & Northern Bank holds $3.1B in total assets and $2.6B in deposits, ranking 411th of 4,313 FDIC-insured banks by asset size. It is headquartered in Wellsboro, Pennsylvania.
Is my money safe at Citizens & Northern Bank?▼
Yes, deposits at Citizens & Northern Bank (Certificate #7799) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Citizens & Northern Bank's Tier 1 Capital Ratio?▼
Citizens & Northern Bank has a Tier 1 Capital Ratio of 12.59%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Citizens & Northern Bank?▼
Citizens & Northern Bank has a Texas Ratio of 8.61%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Citizens & Northern Bank?▼
Citizens & Northern Bank has an Efficiency Ratio of 69.39%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Citizens & Northern Bank's profile as a depositor or analyst.
- Citizens & Northern Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Citizens & Northern Bank against other Pennsylvania banks before moving funds. Pennsylvania banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.