Listed locations
34
Institution profile
Citizens & Northern Bank
Identity verified through FDIC; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.
FDIC BankFind baseline
FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.
- Legal name
- Citizens & Northern Bank
- Display name
- Citizens & Northern Bank
- Institution status
- Active
- FDIC insured
- Yes
- FDIC insured since
- January 1, 1934
- Established date
- January 1, 1864
- Charter class
- State-chartered commercial bank, member of the Federal Reserve System (FRS)
- Primary federal regulator
- Federal Reserve Board
- Headquarters
- Wellsboro, PA, 16901, United States
- Website
- https://www.cnbankpa.com
- FDIC certificate number
- 7799
- Federal Reserve RSSD ID
- 895710
- Domestic location count
- 35
- Source observed
- August 5, 2026
Regulatory profile
Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.
Regulatory identity
- Institution status
- ACTIVE
- Primary federal regulator
- FRS
- Institution type
- State Member Bank
- Primary activity
- NAICS 52211
- FDIC certificate
- 7799
- Federal Reserve RSSD ID
- 895710
- LEI
- 254900SK7KTN4QNPHP32
- Headquarters
- 90-92 Main Street, Wellsboro, PA, 16901, United States
- Primary deposit insurer
- Deposit Insurance Fund (DIF)
- Source observed
- August 19, 2026
Branch network
Showing 1 through 34 of 34 listed locations
Scroll sideways to see every branch column.
| Branch | Address | City | State | Postal code |
|---|---|---|---|---|
| HORNELL BRANCH | 6250 County Route 64 East Avenue Ext | Hornell | NY | 14843 |
| ATHENS BRANCH | 428 Main Street | Athens | PA | 18810 |
| BEAVER SPRINGS BRANCH | 19179 Route 522 | Beaver Springs | PA | 17812 |
| COUDERSPORT BRANCH | 10 North Main Street | Coudersport | PA | 16915 |
| CITIZENS & NORTHERN BRANCH | 465 North Main Street | Doylestown | PA | 18901 |
| DOYLESTOWN - 60 N MAIN BRANCH | 60 N Main Street | Doylestown | PA | 18901 |
| DUSHORE OFFICE | 111 West Main Street | Dushore | PA | 18614 |
| EAST SMITHFIELD BRANCH | 563 Main Street | East Smithfield | PA | 18817 |
| ELKLAND BRANCH | 104 W Main Street | Elkland | PA | 16920 |
| EMPORIUM BRANCH | 135 East 4th Street | Emporium | PA | 15834 |
| JERSEY SHORE BRANCH | 230 Railroad Street | Jersey Shore | PA | 17740 |
| KNOXVILLE BRANCH | 102 East Main Street Route 49 | Knoxville | PA | 16928 |
| LANCASTER BRANCH | 2098 Spring Valley Road | Lancaster | PA | 17601 |
| LAPORTE BRANCH | 514 Main Street | Laporte | PA | 18626 |
| EAST BUFFALO BRANCH | 2005 Market Street | Lewisburg | PA | 17837-9601 |
| LIBERTY BRANCH | 4534 Williamson Trail | Liberty | PA | 16930 |
| MANSFIELD BRANCH | 1085 South Main Street | Mansfield | PA | 16933 |
| WEST BUFFALO BRANCH | 40 Hardees Drive | Mifflinburg | PA | 17844 |
| MUNCY BRANCH | 3461 Route 405 Highway | Muncy | PA | 17756 |
| NEWTOWN BRANCH | 3 Terry Drive | Newtown | PA | 18940 |
| NORTHUMBERLAND BRANCH | 397 Point Township Drive | Northumberland | PA | 17857 |
| SAYRE BRANCH | 1827 Elmira Street | Sayre | PA | 18840 |
| SOUTH WILLIAMSPORT BRANCH | 2 East Mountain Avenue | South Williamsport | PA | 17702 |
| TIOGA BRANCH | 41 North Main Street | Tioga | PA | 16946 |
| TOWANDA BRANCH | 423-433 Reuter Boulevard | Towanda | PA | 18848 |
| TROY OFFICE | 64 Elmira Street | Troy | PA | 16947 |
| WATSONTOWN BRANCH | 1025 Main Street | Watsontown | PA | 17777 |
| CHESTERBROOK BRANCH | 500 Chesterbrook Boulevard, Suite 1 | Wayne | PA | 19087 |
| WEST MILTON BRANCH | 940 High Street | West Milton | PA | 17886 |
| OLD LYCOMING BRANCH | 1510 Dewey Avenue | Williamsport | PA | 17701 |
| WILLIAMSPORT 3RD STREET BRANCH | 2409 East 3rd Street | Williamsport | PA | 17701 |
| WILLIAMSPORT BRANCH | 130 Court Street | Williamsport | PA | 17701 |
| WYSOX BRANCH | 1467 Golden Mile Road | Wysox | PA | 18854 |
| YORK BRANCH | 2951 Whiteford Road Suite102 | York | PA | 17402 |
Community Reinvestment Act (CRA)
Latest available CRA evaluation
- Rating
- Satisfactory
- Exam date
- November 4, 2024
- Regulator
- Federal Reserve
- Examination method
- Large Bank Exam
This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.
CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.
Historical CRA evaluations
Scroll sideways to see every CRA examination column.
| Exam date | CRA rating | Regulator | Examination method |
|---|---|---|---|
| November 4, 2024 | Satisfactory | Federal Reserve | Large Bank Exam |
| August 1, 2022 | Satisfactory | FDIC | Large Bank Exam |
| April 1, 2019 | Satisfactory | FDIC | Large Bank Exam |
| November 1, 2015 | Satisfactory | FDIC | Large Bank Exam |
| September 1, 2012 | Satisfactory | FDIC | Large Bank Exam |
| June 1, 2009 | Satisfactory | FDIC | Large Bank Exam |
| March 1, 2006 | Satisfactory | FDIC | Large Bank Exam |
| February 1, 2004 | Outstanding | FDIC | Large Bank Exam |
| February 1, 2001 | Satisfactory | FDIC | Large Bank Exam |
| November 1, 1998 | Satisfactory | FDIC | Large Bank Exam |
| March 1, 1996 | Satisfactory | FDIC | Not Reported |
| December 1, 1993 | Satisfactory | FDIC | Not Reported |
| December 1, 1990 | Satisfactory | FDIC | Not Reported |
Institutional history
10 FFIEC NIC history events
Showing 1 through 10 of 10 history events
| Event date | Event type | Related institution |
|---|---|---|
| October 1, 2025 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| July 1, 2020 | Charter Discontinued (Merger or Purchase & Assumption) | COVENANT BANK |
| April 1, 2019 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| September 1, 2010 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| May 1, 2007 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| May 1, 1990 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| January 1, 1984 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| October 1, 1977 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| May 1, 1972 | Charter Discontinued (Merger or Purchase & Assumption) | FIRST NATIONAL BANK OF RALSTON |
| October 1, 1971 | Charter Discontinued (Merger or Purchase & Assumption) | NORTHERN NATIONAL BANK AND TRUST COMPANY |
These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.
FFIEC-reported organizational relationships
2 FFIEC NIC relationship records
Showing 1 through 2 of 2 relationship records
| Relationship | Institution | Type | Location |
|---|---|---|---|
| Direct relationship | C&N FINANCIAL SERVICES, LLC | Securities Broker / Dealer | Wellsboro, PA |
| ROOT_INSTITUTION | CITIZENS & NORTHERN BANK | State Member Bank | Wellsboro, PA |
These relationships reflect the FFIEC NIC source display and should not be interpreted as a complete legal ownership analysis.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- FDIC-insured state-chartered member bank