Q2 2026 call report
Citizens & Northern Bank
Headquarters
Wellsboro, PA
Total assets
$3.1B
Status
Below
Criterion met
—
Counties with deposits
11
Neither criterion met.
Citizens & Northern Bank is inside the published universe: under $100B in assets, with a loan book of at least 20% of assets, and a branch in the Northeast.
Where this bank takes deposits
Share of the bank's total deposits, all branches nationwide| County | Credit pressure | Share of this bank's deposits |
|---|---|---|
| Bradford County, PA | D | 25.8% |
| Tioga County, PA | D | 22.0% |
| Bucks County, PA | E | 20.1% |
| Lycoming County, PA | A | 14.3% |
| Sullivan County, PA | n/a | 5.6% |
| Potter County, PA | D | 4.0% |
| Steuben County, NY | D | 3.7% |
| Cameron County, PA | n/a | 1.6% |
| York County, PA | B | 1.5% |
| Lancaster County, PA | A | 0.7% |
| Chester County, PA | E | 0.6% |
Weights come from the 2025 Summary of Deposits and are divided by the bank's deposits in every county in the country, not only the Northeast. Where a head office reports more than five times the median of the bank's other branches, the head office figure is replaced by that median before the weight is computed.
Calculation v1 · Call report Q2 2026 · Summary of Deposits 2025 · Universe: banks under $100B in assets · Methodology
Concentration measures exposure, not loss. This is a map of exposure, not a forecast: our published backtest found no relationship between a county's score and subsequent deterioration.
Nothing on this page is investment advice.