Citizens & Northern Bank

Phone

The FDIC record has no phone number. Try the lender's website.

Website

www.cnbankpa.comFrom the FDIC record, November 9, 2026.

Address

90 Main St, Wellsboro, PA 16901FDIC institution record, Nov 9, 2026

Regulator record

FDIC BankFind

Recorded lending. Two or more public files show loans this lender made.

What changed. Citizens & Northern Bank originated 36 multifamily loans in 2025, versus 22 in 2024. HMDA, 2025

Includes loans from acquiring Susquehanna Community Bank in the window, so growth reflects the acquisition as well as new lending.

Reference only: $729M of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.

How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its FDIC certificate number. SBA 504 first liens: its name and state.

Programs on record: Federal Home Loan Bank member, Pittsburgh district (FHFA).

• Citizens & Northern Bank reported making 342 small business loans totaling $71,590,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
• By size when made: 160 of $100,000 or less, 81 over $100,000 up to $250,000, 101 over $250,000 up to $1 million.
• 161 of them, totaling $22,438,000, went to businesses with revenue of $1 million or less.
• Citizens & Northern Bank reported making 27 small farm loans totaling $1,159,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
• By size when made: 23 of $100,000 or less, 4 over $100,000 up to $250,000, 0 over $250,000 up to $500,000.
• 22 of them, totaling $1,034,000, went to farms with revenue of $1 million or less.

In this filing a small business loan is a commercial and industrial loan, or a loan secured by nonfarm nonresidential property, of $1 million or less when it was made. Multifamily loans are not included.

Only banks with about $1.6 billion or more in assets must file this data. The cutoff is set each year; it was $1.564 billion for 2024. A bank that is not listed here can still make small business loans.

How this filing was tied to this bank: FDIC certificate (respondent ID) + transmittal RSSD; RSSD (respondent ID) + transmittal RSSD.

• Citizens & Northern Bank reported commitments to fund construction loans that had not been drawn at June 30, 2026: $14,961,000 for 1-4 family residential construction and $46,044,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
• Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $249,220,000. These are credit lines not yet used.

FFIEC Call Report, Jun 30, 2026

Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.

• Citizens & Northern Bank has 35 offices in 14 counties and 2 states (FDIC Summary of Deposits, June 30, 2026): 35 full service and 0 limited service.

Loan production offices are not in this file. A bank with no office here can still lend here.

Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.

Approval to first disbursement

14 days, median of 5

SBA FOIA, Sep 30, 2026 SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.

Compare these lenders side by side

Regulator

Federal Reserve

FDIC certificate

7799

RSSD

895710

LEI

254900SK7KTN4QNPHP32

The Lender Report ID

lr_000583

FDIC classifies this bank as

Commercial Lending Specialization

Ownership

Stock

FDIC institution record, Nov 9, 2026 The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.

Sources

• FDIC institution record, November 9, 2026
• FDIC office list, October 28, 2026
• FDIC call report, June 30, 2026
• FDIC call report, June 30, 2025
• HMDA, 2025
• SBA FOIA, September 30, 2026
• FFIEC Call Report, June 30, 2026
• FDIC call reports, June 30, 2026
• FFIEC CRA disclosure data, 2024
• SEC 10-Q and 10-K filings, September 30, 2026
• FDIC Summary of Deposits, June 30, 2026

Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.

See something wrong? Write to desk@lender.report or use the correction form. We reply within 2 business days and fix confirmed errors within 10. We correct our own mistakes at once. Where the public record itself is wrong, we show the lender's correction beside it and tell you how to ask the agency to fix the source. Correction form. Names identify institutions and imply no affiliation.

We publish data about lenders and sell advertising. We are not a bank or lender, and we do not make credit decisions, take applications, negotiate terms or arrange loans through this site. Using this site creates no broker, advisory or fiduciary relationship. Commercial-purpose loans only. Nothing here is an offer to lend or a promise that any lender will offer you a loan.

Work at Citizens & Northern Bank? Claim this page, free.