CITIZENS & NORTHERN CORP
Citizens & Northern Corporation (NASDAQ: CZNC) operates as a community bank holding company with its principal subsidiary being Citizens & Northern Bank, a Pennsylvania state-chartered institution. The company's website is www.cnbankpa.com. From the company’s description.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What CITIZENS & NORTHERN CORP does
In the company’s own words
Citizens & Northern Corporation (NASDAQ: CZNC) operates as a community bank holding company with its principal subsidiary being Citizens & Northern Bank, a Pennsylvania state-chartered institution. The company's website is www.cnbankpa.com.
The Corporation provides comprehensive banking services including deposit and loan products for personal and commercial customers, wealth management services through its trust department, and insurance products via its wholly-owned subsidiary C&N Financial Services, LLC. The trust department offers 401(k) plans, retirement planning, estate planning, estate settlements, and asset management services. Through a broker-dealer arrangement, the company also provides mutual funds, annuities, and educational savings accounts.
As of December 31, 2025, Citizens & Northern Corporation operated 35 branch offices strategically located across Pennsylvania and New York. The geographic footprint includes 28 branches in the Northern tier and Northcentral regions of Pennsylvania, one in the Southern tier of New York State, four in Southeastern Pennsylvania (three in Bucks County and one in Chester County), and two in Southcentral Pennsylvania (York and Lancaster). The company maintains a lending office in Elmira, New York. The Corporation employed 460 full-time equivalent employees at year-end 2025.
The company has pursued significant expansion through acquisitions, completing three major transactions since 2019. Most recently, on October 1, 2025, Citizens & Northern completed its merger with Susquehanna Community Financial, Inc., which added seven banking offices in Lycoming, Northumberland, Snyder, and Union counties. Prior acquisitions included Covenant Financial, Inc. in 2020 and Monument Bancorp, Inc. in 2019, both expanding the company's presence in Southeastern Pennsylvania.
At December 31, 2025, the Corporation reported consolidated total assets of $3.1 billion, gross loans of $2.4 billion, and total deposits of $2.6 billion. The company's loan portfolio consists of commercial, residential, and personal loans, with a significant portion comprising commercial real estate loans. Citizens & Northern competes with fintech institutions, local and regional commercial banks, credit unions, and other financial service providers across its markets.
Company details
- Sector
- Financials
- Industry
- Banks & Brokers
- Headquarters
- WELLSBORO, PA
- Fiscal year end
- December
- CIK
- 810958
- SIC
- 6022
Financial performance, year by year
Fiscal 2013–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns CITIZENS & NORTHERN CORP — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · CITIZENS & NORTHERN CORP’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Could not be determined for this company: bond issues.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
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