🏦Bank Scorer

CITIZENS & NORTHERN BANK

WELLSBORO, PA · Supervised by FDIC

Est. 1864FDIC #7,799RSSD: FDIC-7799
Part ofCITIZENS&NORTHERN CORP→ View all charters
Satisfactory Same

Current rating · Exam: August 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.08%

Institution Profile

FDIC BankFind

Address

90 Main St, WELLSBORO, PA

County

Tioga County

Established

January 1, 1864

Total Assets

$3.2B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 1, 2022

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Aug 2026(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$3.2B

Total Deposits

$2.6B

Net Loans

$2.4B

Net Income

$616K

ROA

0.08%

ROE

0.71%

Risk-Based Capital

13.49%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate11.58%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

28

Branch Deposits

$2.1B

1-Year Change

-1

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20241,07973.03%11.58%
20231,12077.95%12.32%
20221,33382.15%9.30%
20211,34582.08%8.40%
20201,71082.51%7.37%
20191,14884.84%7.93%
201891783.86%9.16%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

11 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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