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Citizens & Northern Bank
Wellsboro, PA·FDIC Cert #7799·Charter: STATE·Est. 18640101.0·HC: CITIZENS&NORTHERN CORP
Total Assets
$3.1B
Q4 2025
Return on Assets
0.92%
-0.11%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
69.39%
Peer avg: 58.0%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
51
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.92%-0.11
ROE
8.13%-0.94
Efficiency
69.39%+3.79
Equity/Assets
0.00%+0.00
NPL Ratio
1.42%+0.02
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
89.94%+1.89
Charge-offs
0.08%+0.03
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.9 | 1.0 | 1.0 | 1.1 | 1.0 | 1.0 | 1.0 | 0.9 |
| ROE | 8.3 | 8.9 | 9.1 | 9.8 | 9.2 | 9.0 | 9.1 | 8.1 |
| Efficiency | 69.1 | 68.9 | 67.7 | 66.8 | 68.8 | 66.5 | 65.6 | 69.4 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.0 | 1.0 | 1.3 | 1.3 | 1.3 | 1.3 | 1.4 | 1.4 |
| Charge-offs | 0.0 | 0.0 | 0.1 | 0.1 | 0.0 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 92.1 | 90.3 | 87.2 | 89.0 | 88.6 | 89.4 | 88.1 | 89.9 |
Balance Sheet
Total Assets$3.1B
Total Deposits$2.6B
Total Loans$2.3B
Total Equity$351.1M
Profitability
ROA0.92%
ROE8.13%
Efficiency Ratio69.39%
Net Income$24.8M
Risk & Asset Quality
NPL Ratio1.42%
Charge-off Rate0.08%
Loan/Deposit89.94%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans