Citizens & Northern Bank
Wellsboro, PA — Non-member Bank
Active
Net Interest Margin Over Time
| Net Interest Margin | Citizens & Northern Bank | All Insured Commercial Banks in Pennsylvania |
| 12-31-2016 | 3.758 | 3.473 |
| 09-30-2016 | 3.761 | 3.479 |
| 06-30-2016 | 3.763 | 3.497 |
| 03-31-2016 | 3.787 | 3.502 |
| 12-31-2015 | 3.69 | 3.514 |
| 09-30-2015 | 3.678 | 3.523 |
| 06-30-2015 | 3.676 | 3.523 |
| 03-31-2015 | 3.679 | 3.525 |
| 12-31-2014 | 3.791 | 3.569 |
| 09-30-2014 | 3.803 | 3.578 |
| 06-30-2014 | 3.82 | 3.578 |
| 03-31-2014 | 3.819 | 3.551 |
| 12-31-2013 | 4.039 | 3.561 |
| 09-30-2013 | 4.075 | 3.588 |
| 06-30-2013 | 4.119 | 3.584 |
| 03-31-2013 | 4.108 | 3.582 |
| 12-31-2012 | 4.229 | 3.689 |
| 09-30-2012 | 4.236 | 3.714 |
| 06-30-2012 | 4.318 | 3.711 |
| 03-31-2012 | 4.36 | 3.73 |
| 12-31-2011 | 4.176 | 3.775 |
| 09-30-2011 | 4.119 | 3.782 |
| 06-30-2011 | 4.036 | 3.768 |
| 03-31-2011 | 3.913 | 3.773 |
| 12-31-2010 | 3.836 | 3.708 |
| 09-30-2010 | 3.796 | 3.68 |
| 06-30-2010 | 3.657 | 3.665 |
| 03-31-2010 | 3.713 | 3.624 |
| 12-31-2009 | 3.584 | 3.489 |
| 09-30-2009 | 3.592 | 3.457 |
| 06-30-2009 | 3.612 | 3.43 |
| 03-31-2009 | 3.575 | 3.437 |
| 12-31-2008 | 3.722 | 3.569 |
| 09-30-2008 | 3.648 | 3.566 |
| 06-30-2008 | 3.575 | 3.546 |
| 03-31-2008 | 3.5 | 3.52 |
| 12-31-2007 | 3.436 | 3.545 |
| 09-30-2007 | 3.408 | 3.53 |
| 06-30-2007 | 3.314 | 3.517 |
| 03-31-2007 | 3.259 | 3.49 |
| 12-31-2006 | 3.345 | 3.61 |
| 09-30-2006 | 3.359 | 3.639 |
| 06-30-2006 | 3.387 | 3.634 |
| 03-31-2006 | 3.406 | 3.634 |
| 12-31-2005 | 3.548 | 3.707 |
| 09-30-2005 | 3.607 | 3.706 |
| 06-30-2005 | 3.569 | 3.702 |
| 03-31-2005 | 3.57 | 3.7 |
| 12-31-2004 | 3.725 | 3.678 |
| 09-30-2004 | 3.714 | 3.669 |
| 06-30-2004 | 3.721 | 3.695 |
| 03-31-2004 | 3.694 | 3.726 |
| 12-31-2003 | 3.654 | 3.764 |
| 09-30-2003 | 3.628 | 3.773 |
| 06-30-2003 | 3.639 | 3.824 |
| 03-31-2003 | 3.627 | 3.846 |
| 12-31-2002 | 3.806 | 3.993 |