Citizens & Northern Bank: how it compares with its peers
Against 20 PA banks with half to twice its assets, Citizens & Northern Bank's strongest measure in Q2 2026 is net interest margin (4.10% vs. a 3.75% peer median). Its weakest relative measure is assets per employee ($6.9M vs. $9.0M).
| Measure | Citizens & Northern Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.96% | 1.16% | Bottom third Ahead of 25% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.10% | 3.75% | Top third Ahead of 80% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 57.94% | 59.58% | Middle third Ahead of 60% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.9M | $9.0M | Bottom third Ahead of 15% of peers |
| Loans to deposits Net loans and leases over total deposits. | 88.92% | 86.94% | Context |
What it means for lending operations
Its efficiency ratio of 57.94% is better than the 59.58% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First Citizens Community Bank Mansfield, PA · $3.19B
- Penn Community Bank Doylestown, PA · $3.07B
- ACNB Bank Gettysburg, PA · $3.30B
- The Fidelity Deposit and Discount Bank Dunmore, PA · $2.97B
- NEXTIER BANK, NATIONAL ASSOCIATION Kittanning, PA · $2.93B
- Wayne Bank Honesdale, PA · $2.91B
Questions about Citizens & Northern Bank
How big is Citizens & Northern Bank?
Citizens & Northern Bank, established in 1864, is headquartered in Wellsboro, PA. It reported $3.14B in total assets in its Q2 2026 FDIC call report and operates 35 offices.
What is Citizens & Northern Bank's return on assets?
0.96% annualized in Q2 2026, against a 1.16% median for 20 PA banks with half to twice its assets, ahead of 25% of them.
What is Citizens & Northern Bank's efficiency ratio?
57.94% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 59.58%, and lower is better.
Is Citizens & Northern Bank growing its loans?
Net loans grew 22.1% over the year to Q2 2026, while deposits grew 22.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are PA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Pennsylvania bank ranked.