Vitals
  • Total Assets
    1.2B 1.5 %
  • Total Deposits
    990.2M 5.1 %
  • Total Net Loans
    743.5M 6.6 %
  • Net Income
    15.1M 0.7 %
  • Book Value
    165.4M -1.1 %
  • Book Value x2
    330.8M -1.1 %
  • Book Value x3
    496.2M -1.1 %
ROAA

1.248

ROAE

8.957

Efficiency Ratio

58.588

Net Interest Margin

3.758

Balance Sheet Highlights
Financial Highlights Citizens & Northern Bank All Insured Commercial Banks in Pennsylvania
Balance Sheet $(000)
Total Assets 1,228,026 784,148
Total Net Loans 743,504 559,183
Total Deposits 990,241 637,080
Total Equity 165,397 81,247
Profitability
Net Income 15,120 6,303
Return on Average Assets 1.248 .785
Return on Average Equity 8.957 7.431
Net Interest Margin 3.758 3.473
Efficiency Ratio 58.588 69.514
Noninterest Income/Revenue 24.93 18.146
Balance Sheet Ratios
Loan-to-Deposit 75.083 86.432
Securities/Assets .311 .178
Total Equity/Total Assets .135 .104
Tangible Equity/Tangible Assets .124 .094
Capital Adequacy
Tier 1 Common Capital 154,036 72,881
Tier 1 Capital 154,036 73,172
Tier 2 Capital 8,669 6,143
Total Capital 162,705 79,518
Total Risk Weighted Assets 773,676 578,873
Leverage Ratio 12.73 9.899
Common Equity Tier 1 Capital Ratio 19.91 13.811
Tier 1 Capital Ratio 19.91 13.878
Total Capital Ratio 21.03 15.103

Timeline for Citizens & Northern Bank

First State Bank

Acquisition: Citizens & Northern Bank acquired a new subsidiary, First State Bank, 13 years

View Profile Sep 01 2010

Citizens Trust Company

Acquisition: Citizens & Northern Bank acquired a new subsidiary, Citizens Trust Company, 16 years

View Profile May 01 2007

C&N Financial Services Corporation

C&N Financial Services Corporation became a new subsidiary organization for Citizens & Northern Bank.

View Profile Dec 01 1999

The First National Bank Of East Smithfield

Acquisition: Citizens & Northern Bank acquired a new subsidiary, The First National Bank Of East Smithfield, 33 years

View Profile May 01 1990

Citizens And Northern Corporation

Citizens And Northern Corporation became a new parent organization for Citizens & Northern Bank.

View Profile May 29 1987

Want to see more?

Complete timeline for Citizens & Northern Bank is available.

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Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
First State Bank Seller 53,363 Pooling of Interests Discontinued 9/1/2010
Citizens Trust Company Seller 143,795 Acquisition Discontinued 5/1/2007
The First National Bank Of East Smithfield Seller 20,587 Discontinued 5/1/1990
The Farmers National Bank Of Athens Seller 23,465 Discontinued 1/1/1984
Sullivan County National Bank Seller 8,700 Discontinued 10/1/1977
The First National Bank Of Ralston Seller Discontinued 5/1/1972
Northern National Bank And Trust Company Seller Discontinued 10/1/1971
Relationships Role Relationship Start Relationship End
Citizens And Northern Corporation Parent 5/29/1987
C&N Financial Services Corporation Subsidary 12/1/1999
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