Citizens & Northern Bank
Citizens & Northern Bank is a Wellsboro, PA-based FDIC-insured commercial bank with $3.1B in total assets and $1.2B in commercial real estate loans, representing 39.7% of total assets. CRE exposure includes $163M in multifamily loans and $163M in construction and development loans.
FDIC Financial Overview
$3.2B
Total Assets
$1.3B
CRE Loans
39.9%
CRE Concentration
$173M
Multifamily
$166M
Construction
$918M
Commercial RE
+1%
Asset Growth (YoY)
0.0785236658505708%
ROA
0.71%
ROE
Above 300% CRE concentration guidance threshold
Source: FDIC Quarterly Call Reports (20260331)
Profile in progress
Citizens & Northern Bank hasn’t yet shared their lending programs, contact information, or deal volume data with High Tranche. Lender profiles are continuously expanded as new data becomes available from public filings, our research team, and lenders themselves.
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