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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 7799 · PA B · 73/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-REGIONAL · BOOK-FULL

  • GRADE-B B (73/100)
  • MID-PACK #2700/4307
  • PHOTO-FINISH The Waterford Commer… · OH
  • TIER1-WELL 12.6% Tier 1
  • TEXAS-CLEAN 8.6% Texas
  • ROA-PAR 0.92% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Pennsylvania: The Waterford Commercial and Savings Bank, OH (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Citizens & Northern Bank

Lowest and highest poles plus nearest scored peers outside Pennsylvania, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100BankCherokee · MN · near73/100Citizens & Northern… · PA · …73/100Farmers State Bank · OH · ne…73/100The Citizens State B… · ND ·…73/100The Waterford Commer… · OH ·…73/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Citizens & Northern Bank · July 2026

Call Report read for Citizens & Northern Bank in a high-failure state

Citizens & Northern Bank (FDIC Cert #7799) carries a PlainBankData health grade of B at 73/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,700 of 4,307. Tier 1 capital prints at 12.59%, clearing the 10% well-capitalized line. The Texas Ratio is 8.61%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.92%. Balance-sheet scale is $3.1B, 411th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Waterford Commercial and Savings Bank (OH), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Citizens & Northern Bank

11 FAILURE resolutions in Pennsylvania since 2000, heavy vs the state corpus

Citizens & Northern Bank sits in one of the heavier post-2000 FAILURE states (11 resolutions; latest year 2024). The list below is state history from the Failed Bank List, not a claim about Citizens & Northern Bank's current Call Report.

  • REPUBLIC BANK PHILADELPHIA, PA 2024 → FULTON BANK, NATIONAL ASSOCIATION
  • FIRST CORNERSTONE BANK KING OF PRUSSIA, PA 2016 → FIRST-CITIZENS BANK & TRUST COMPANY
  • VANTAGE POINT BANK HORSHAM, PA 2014 → FIRST CHOICE BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Pennsylvania banks.

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.

0/100100/100National avg77/10073/100
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 Assets

$3.1B

Total balance-sheet footings

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

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.19% 12.59% 13.99%
Basel III capital ratios - Citizens & Northern Bank

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

73 37th percentile higher than 37% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Citizens & Northern Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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.

Capital & credit buffers at Citizens & Northern Bank

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

What these ratios mean →

Profitability metrics: Citizens & Northern Bank

Return on Assets (ROA)
37th percentile nationally
0.92%
Return on Equity (ROE)
8.13%
Efficiency Ratio
69.39%

What these mean →

Income & expense at Citizens & Northern Bank

$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.

FDIC Failed Bank List → View Citizens & Northern Bank on FDIC BankFind →

Top banks in Pennsylvania by total assets

Largest banks headquartered in Pennsylvania
  1. 1
    First National Bank of Pennsylvania $50.0B

    Greenville, PA · Grade A

  2. 2
    Fulton Bank $32.0B

    Lancaster, PA · Grade A

  3. 3
    BNY Mellon $31.3B

    Pittsburgh, PA · Grade B

  4. 4
    Customers Bank $24.9B

    Malvern, PA · Grade A

  5. 5
    TriState Capital Bank $23.3B

    Pittsburgh, PA · Grade A

Top 5 banks in Pennsylvania ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($3.1B here), outside Pennsylvania so the neighborhood is not state containment.

Bristol County Savings Bank $3.1B · MA First National Bank $3.1B · ME Libertyville Bank & Trust Company $3.1B · IL The Bank of Greene County $3.1B · NY

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.

Citizens & Northern Bank Call Report profile · FDIC Failed Bank List · Pennsylvania FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Pennsylvania

All Pennsylvania banks →
BankAssetsGradeROA
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%