Citizens & Northern Bank Mortgage Rates, Fees & Info

Wellsboro, PA

LEI: 254900SK7KTN4QNPHP32

Tax ID: 24-0756925

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Citizens & Northern Bank is a smaller bank specializing in Home Purchase loans. Citizens & Northern Bank has a high proportion of conventional loans. Their top markets by origination volume include: Sayre, Williamsport, Elmira, Binghamton, and Corning among others. We have data for 23 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Citizens & Northern Bank has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders. Citizens & Northern Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.27% 4/21/24
    30 Year Conventional Purchase 6.49% 4/21/24
    30 Year Conventional Refi 6.37% 4/21/24
    30 Year Cash-out Refi 6.79% 4/21/24
    15 Year Conventional Purchase 6.90% 4/21/24
    15 Year Conventional Refi 6.65% 4/21/24
    15 Year Cash-out Refi 6.65% 4/21/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Citizens & Northern Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Citizens & Northern Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    769

    Origination Dollar Volume (All Markets)

    $92,225,000

    Employee count

    299

    Awards

    Citizens & Northern Bank 30 Year Conventional Loans bronze
    Show all (1) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    Outside of Metro Areas 274 $31,950,000 $116,606 $2,414 5.42%
    Sayre, PA (FHA|USDA|VA) 253 $26,895,000 $106,304 $2,235 5.30%
    WILLIAMSPORT, PA (FHA|USDA|VA) 93 $12,175,000 $130,914 $2,901 5.41%
    ELMIRA, NY (FHA|USDA|VA) 28 $5,290,000 $188,929 $3,284 5.09%
    BINGHAMTON, NY (FHA|USDA|VA) 36 $4,790,000 $133,056 $3,093 5.22%
    Corning, NY (FHA|USDA|VA) 30 $3,570,000 $119,000 $2,756 5.51%
    Bradford, PA (FHA|USDA|VA) 20 $2,490,000 $124,500 $3,208 5.40%
    Sunbury, PA (FHA|USDA|VA) 7 $825,000 $117,857 $3,585 5.20%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 5 $815,000 $163,000 $4,059 5.37%
    LANCASTER, PA (FHA|USDA|VA) 1 $445,000 $445,000 $4,881 5.00%
    Lock Haven, PA (FHA|USDA|VA) 4 $440,000 $110,000 $3,712 5.66%
    BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 2 $360,000 $180,000 $2,977 5.25%
    Lewisburg, PA (FHA|USDA|VA) 4 $330,000 $82,500 $2,142 4.78%
    Selinsgrove, PA (FHA|USDA|VA) 1 $265,000 $265,000 $3,835 4.25%
    St. Marys, PA (FHA|USDA|VA) 2 $250,000 $125,000 $3,344 4.63%
    ROCHESTER, NY (FHA|USDA|VA) 2 $200,000 $100,000 $898 6.38%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1 $195,000 $195,000 $4,050 4.88%
    STATE COLLEGE, PA (FHA|USDA|VA) 1 $195,000 $195,000 $2,762 5.25%
    JOHNSTOWN, PA (FHA|USDA|VA) 1 $175,000 $175,000 $2,305 4.87%
    ERIE, PA (FHA|USDA|VA) 1 $175,000 $175,000 $3,761 5.00%
    PITTSBURGH, PA (FHA|USDA|VA) 1 $165,000 $165,000 $3,989 4.75%
    DuBois, PA (FHA|USDA|VA) 1 $125,000 $125,000 $3,097 5.25%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $105,000 $105,000 $4,106 5.13%
    Citizens & Northern Bank's top markets include Sayre, Williamsport, Elmira, Binghamton, and Corning among others.

    Their top states include:
  • Pennsylvania (FHA|USDA|VA)
  • New York (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Citizens & Northern Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    HORIZON Federal Credit Union
    Similarity Rank: 40
    Iron Workers Savings Bank
    Similarity Rank: 63
    Five Star Bank
    Similarity Rank: 78
    FIRST HERITAGE FEDERAL CREDIT UNION
    Similarity Rank: 96
    VISIONS
    Similarity Rank: 100
    Haddon Savings Bank
    Similarity Rank: 116
    Chemung Canal Trust Company
    Similarity Rank: 119
    FIDELITY SAVINGS AND LOAN ASSOCIATION OF BUCKS COUNTY
    Similarity Rank: 126
    ABERDEEN PROVING GROUND FEDERAL CREDIT UNION
    Similarity Rank: 135
    Columbia Bank
    Similarity Rank: 136

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 769 $92,225,000 $119,928 $2,545 5.35%

    For 2018, Citizens & Northern Bank's most frequently originated type of loan was Conventional, with 769 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 448 $66,140,000 $147,634 $3,607 5.27%
    Refi 158 $15,510,000 $98,165 $1,301 5.41%
    Other 82 $4,530,000 $55,244 $768 5.56%
    Home Improvement 72 $4,730,000 $65,694 $897 5.58%
    Cash Out Refi 9 $1,315,000 $146,111 $4,423 4.63%

    For 2018, Citizens & Northern Bank's most frequently cited loan purpose was Home Purchase, with 448 originations. The 2nd most popular reason was Refi, with 158 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 267 $42,465,000 $159,045 $3,345 5.07%
    15 Year 220 $16,000,000 $72,727 $1,006 5.53%
    20 Year 93 $11,355,000 $122,097 $2,571 5.46%
    10 Year 70 $3,320,000 $47,429 $645 5.72%
    30+ year 69 $15,235,000 $220,797 $5,640 5.12%
    Other 26 $3,210,000 $123,462 $3,485 5.48%
    5 Year 17 $445,000 $26,176 $292 5.85%
    3 Year 6 $90,000 $15,000 $328 6.15%
    1 Year 1 $105,000 $105,000 $0 5.75%

    For 2018, Citizens & Northern Bank's most frequently cited loan duration was 30 Year, with 267 originations. The 2nd most popular length was 15 Year, with 220 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 417 $38,585,000 $92,530
    $1k-2k 169 $24,205,000 $143,225
    $2k-3k 52 $9,810,000 $188,654
    $3k-4k 30 $7,190,000 $239,667
    $5k+ 7 $3,135,000 $447,857
    $4k-5k 5 $1,445,000 $289,000

    Citizens & Northern Bank's average total fees were $3,345, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 417 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 365 $37,435,000 $102,562
    4-5% 288 $46,610,000 $161,840
    6-7% 75 $5,315,000 $70,867
    7-8% 22 $930,000 $42,273
    3-4% 9 $1,535,000 $170,556
    Over 8% 9 $285,000 $31,667
    % 1 $115,000 $115,000

    During 2018, Citizens & Northern Bank's average interest rate for loans was 5.07%, while their most frequently originated rate bucket for loans was 5-6%, with 365 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 401 $21,525,000 $53,678 $1,232 5.62%
    $100k-200k 241 $33,915,000 $140,726 $3,208 5.10%
    $200k-400k 114 $29,650,000 $260,088 $4,835 5.00%
    $400k-600k 7 $3,125,000 $446,429 $6,666 4.86%
    $600k-1MM 6 $4,010,000 $668,333 $7,341 4.89%

    2018 saw Citizens & Northern Bank place emphasis on $100,000 or less loans with 401 originations, totaling $21,525,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 211 $21,385,000 $101,351 $2,250 5.36%
    $50k or less 204 $13,940,000 $68,333 $1,864 5.66%
    $100k-150k 140 $21,800,000 $155,714 $3,041 5.10%
    $75k-100k 119 $16,015,000 $134,580 $3,090 5.16%
    $150k-250k 44 $8,530,000 $193,864 $3,107 5.19%
    $250k+ 22 $7,330,000 $333,182 $4,863 4.95%

    Citizens & Northern Bank lent most frequently to those with incomes in the $50k-75k range, with 211 originations. The second most popular income band? $50k or less, with 204 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 199 $22,895,000 $115,050 $2,328 5.30%
    20-30% 168 $19,750,000 $117,560 $2,389 5.29%
    <20% 60 $6,780,000 $113,000 $2,027 5.33%
    39% 47 $5,445,000 $115,851 $2,601 5.29%
    37% 43 $4,785,000 $111,279 $2,800 5.43%
    38% 33 $3,185,000 $96,515 $2,196 5.61%
    42% 32 $4,120,000 $128,750 $2,954 5.20%
    40% 32 $4,350,000 $135,938 $3,051 5.35%
    36% 31 $4,175,000 $134,677 $2,957 5.68%
    41% 24 $2,870,000 $119,583 $2,456 5.24%
    43% 21 $3,965,000 $188,810 $3,710 4.95%
    44% 10 $1,310,000 $131,000 $3,548 5.33%
    45% 7 $1,085,000 $155,000 $3,727 5.00%
    48% 4 $730,000 $182,500 $3,678 4.84%
    >60% 3 $355,000 $118,333 $3,625 5.12%
    47% 2 $280,000 $140,000 $4,128 5.13%
    46% 2 $410,000 $205,000 $4,206 4.88%
    49% 1 $165,000 $165,000 $3,913 4.63%
    50-60% 1 $185,000 $185,000 $5,071 4.87%

    Citizens & Northern Bank lent most frequently to those with DTI ratios of 30-36%, with 199 originations. The next most common DTI ratio? 20-30%, with 168 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 712 $83,320,000 $117,022 $2,510 5.34%
    Not provided 37 $6,045,000 $163,378 $2,970 5.37%
    Not applicable 14 $1,890,000 $135,000 $0 5.89%
    Filipino 1 $365,000 $365,000 $4,232 5.00%
    Asian 2 $250,000 $125,000 $3,849 4.94%
    Black 1 $175,000 $175,000 $6,992 5.25%
    Other Pacific Islander 1 $145,000 $145,000 $3,246 5.50%
    American Indian 1 $35,000 $35,000 $329 5.00%

    Approval Rates

    Total approvals of all applications
    90.85%

    Citizens & Northern Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    91.81%

    Citizens & Northern Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    125.0 5 $215,000 $43,000
    133.0 15 $665,000 $44,333
    141.0 1 $35,000 $35,000
    225.0 2 $70,000 $35,000
    NA 746 $91,240,000 $122,306

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 6 $1,140,000 $190,000
    Single Family (1-4 Units):Manufactured 102 $6,730,000 $65,980
    Single Family (1-4 Units):Site-Built 661 $84,355,000 $127,617

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 90 $5,760,000 $64,000 $808 5.50%
    40-60% 105 $10,285,000 $97,952 $1,880 5.29%
    60-80% 226 $29,450,000 $130,310 $2,962 5.33%
    80-100% 279 $43,975,000 $157,616 $3,570 5.26%
    Over 100% 1 $655,000 $655,000 $12,362 4.50%
    Under 20% 68 $2,100,000 $30,882 $360 5.71%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 9 5.3%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Closing on a mortgage 5 2.9%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Improper use of your report 1 0.6%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Incorrect information on your report 1 0.6%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Problem with a credit reporting company's investigation into an existing problem 1 0.6%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Struggling to pay mortgage 16 9.4%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Trouble during payment process 36 21.1%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Applying for a mortgage or refinancing an existing mortgage 2 1.2%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Closing on a mortgage 3 1.8%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Struggling to pay mortgage 8 4.7%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Trouble during payment process 3 1.8%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 9 5.3%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Closing on a mortgage 3 1.8%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Struggling to pay mortgage 7 4.1%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Trouble during payment process 41 24.0%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 2 1.2%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Closing on a mortgage 3 1.8%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Struggling to pay mortgage 4 2.3%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Trouble during payment process 15 8.8%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Struggling to pay mortgage 1 0.6%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Trouble during payment process 1 0.6%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Citizens & Northern Bank 10 North Main Street Coudersport, PA 16915 Full Service B&M $58,433
    Citizens & Northern Bank 100 Maple Street Port Allegany, PA 16743 Full Service B&M $9,800
    Citizens & Northern Bank 102 East Main Street, Route 49 Knoxville, PA 16928 Full Service B&M $37,483
    Citizens & Northern Bank 104 Main Street Elkland, PA 16920 Full Service B&M $31,687
    Citizens & Northern Bank 1085 S. Main Street Mansfield, PA 16933 Full Service B&M $27,631
    Citizens & Northern Bank 111 W. Main Street Dushore, PA 18614 Full Service B&M $52,191
    Citizens & Northern Bank 130 Court Street Williamsport, PA 17701 Full Service B&M $104,004
    Citizens & Northern Bank 135 East Fourth Street Emporium, PA 15834 Full Service B&M $23,161
    Citizens & Northern Bank 1510 Dewey Avenue Williamsport, PA 17701 Full Service B&M $17,615
    Citizens & Northern Bank 1827 Elmira Street Sayre, PA 18840 Full Service B&M $66,398
    Citizens & Northern Bank 2 East Mountain Avenue South Williamsport, PA 17702 Full Service B&M $6,936
    Citizens & Northern Bank 230-232 Railroad Street Jersey Shore, PA 17740 Full Service B&M $6,012
    Citizens & Northern Bank 24 Thompson Street Ralston, PA 17763 Full Service B&M $12,634
    Citizens & Northern Bank 3 Main Street Canisteo, NY 14823 Full Service B&M $26,553
    Citizens & Northern Bank 3461 Route 405 Highway Muncy, PA 17756 Full Service B&M $19,513
    Citizens & Northern Bank 41 Main Street Tioga, PA 16946 Full Service B&M $27,022
    Citizens & Northern Bank 428 Main Street Towanda, PA 18848 Full Service B&M $71,602
    Citizens & Northern Bank 428 South Main Street Athens, PA 18810 Full Service B&M $59,521
    Citizens & Northern Bank 4534 Williamson Trail Liberty, PA 16930 Full Service B&M $39,472
    Citizens & Northern Bank 514 Main Street Laporte, PA 18626 Full Service B&M $29,507
    Citizens & Northern Bank 563 Main Street East Smithfield, PA 18817 Full Service B&M $32,131
    Citizens & Northern Bank 612 James Monroe Avenue Monroeton, PA 18832 Full Service B&M $13,819
    Citizens & Northern Bank 6250 County Route 64 Hornell, NY 14843 Full Service B&M $16,833
    Citizens & Northern Bank 64 Elmira St. Troy, PA 16947 Full Service B&M $78,678
    Citizens & Northern Bank 90-92 Main Street Wellsboro, PA 16901 Full Service B&M $122,339
    Citizens & Northern Bank Us Routes 6 & 309 & State Route 187 Wysox Township, PA 18854 Full Service B&M $57,665

    For 2018, Citizens & Northern Bank had 26 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $50,050
    Net interest income $45,422
    Total noninterest income $20,911
    Gross Fiduciary activities income $5,838
    Service charges on deposit accounts $5,171
    Trading account gains and fees $0
    Additional Noninterest Income $9,902
    Pre-tax net operating income $27,261
    Securities gains (or losses, -) $-259
    Income before extraordinary items $22,493
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $22,493
    Minority interest net income $0
    Net income $22,493
    Sale, conversion, retirement of capital stock, net $857
    Net operating income $22,707

    Citizens & Northern Bank's gross interest income from loans was $50,050,000.
    Citizens & Northern Bank's net interest income from loans was $45,422,000.
    Citizens & Northern Bank's fee based income from loans was $5,171,000.
    Citizens & Northern Bank's net income from loans was $22,493,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $4,628
    Provision for credit losses $584
    Total noninterest expense $38,488
    Salaries and employee benefits $22,179
    Premises and equipment expense $3,693
    Additional noninterest expense $12,616
    Applicable income taxes $4,509
    Net charge-offs $131
    Cash dividends $12,800

    Citizens & Northern Bank's interest expense for loans was $4,628,000.
    Citizens & Northern Bank's payroll and benefits expense were $22,179,000.
    Citizens & Northern Bank's property, plant and equipment expenses $3,693,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 1.0%
    Real Estate loans 2.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 2.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 0.0%
    All other family 1.0%
    Commercial & industrial loans 2.0%
    Personal loans 0.0%
    Credit card loans 0.3%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $1,041,526
    Deposits held in domestic offices $1,041,526
    Deposits by Individuals, partnerships, and corporations $870,858
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $170,668
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $481,303
    Demand deposits $279,927
    Nontransaction accounts $560,223
    Money market deposit accounts (MMDAs) $174,273
    Other savings deposits (excluding MMDAs) $156,385
    Total time deposits $229,565
    Total time and savings deposits $761,599
    Noninterest-bearing deposits $279,927
    Interest-bearing deposits $761,599
    Retail deposits $1,005,432
    IRAs and Keogh plan accounts $86,623
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,276,156
    Cash & Balances due from depository institutions $35,200
    Interest-bearing balances $14,238
    Total securities $351,937
    Federal funds sold & reverse repurchase $0
    Net loans and leases $818,467
    Loan and leases loss allowance $9,309
    Trading account assets $0
    Bank premises and fixed assets $14,592
    Other real estate owned $1,703
    Goodwill and other intangibles $13,355
    All other assets $40,902

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,276,156
    Total Liabilities $1,101,361
    Total deposits $1,041,526
    Interest-bearing deposits $761,599
    Deposits held in domestic offices $1,041,526
    % insured (estimated) $72
    Federal funds purchased and repurchase agreements $5,853
    Trading liabilities $0
    Other borrowed funds $42,915
    Subordinated debt $0
    All other liabilities $11,067

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $818,467
    Loan and leases loss allowance $9,309
    Total loans and leases (domestic) $827,776
    All real estate loans $645,918
    Real estate loans in domestic offices $645,918
    Construction and development loans $36,660
    Residential 1-4 family construction $24,698
    Other construction, all land development and other land $11,962
    Loans secured by nonfarm nonresidential properties $162,611
    Nonfarm nonresidential secured by owner-occupied properties $43,279
    Commercial real estate & other non-farm, non-residential $119,332
    Multifamily residential real estate $7,180
    1-4 family residential loans $432,321
    Farmland loans $7,146
    Loans held in foreign offices $0
    Farm loans $5,659
    Commercial and industrial loans $91,856
    To non-U.S. addressees $0
    Loans to individuals $17,130
    Credit card loans $1,252
    Related Plans $831
    Consumer Auto Loans $7,873
    Other loans to individuals $7,174
    All other loans & leases $67,213
    Loans to foreign governments and official institutions $0
    Other loans $13,950
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $612
    Non 1-4 family restructured loans & leases $171
    Total loans and leases (foreign) $0

    Citizens & Northern Bank had $818,467,000 of loans outstanding in 2018. $645,918,000 of loans were in real estate loans. $36,660,000 of loans were in development loans. $7,180,000 of loans were in multifamily mortgage loans. $432,321,000 of loans were in 1-4 family mortgage loans. $5,659,000 of loans were in farm loans. $1,252,000 of loans were in credit card loans. $7,873,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 443 $56,396 $127,305
    Nonfarm, nonresidential loans - <$100k 185 $6,415 $34,676
    Nonfarm, nonresidential loans - $100-250k 151 $16,901 $111,927
    Nonfarm, nonresidential loans - $250k-1MM 107 $33,080 $309,159
    Commercial & Industrial, US addressed loans - <$1MM 913 $49,429 $54,139
    Commercial & Industrial, US addressed loans - <$100k 720 $12,302 $17,086
    Commercial & Industrial, US addressed loans - $100-250k 92 $7,390 $80,326
    Commercial & Industrial, US addressed loans - $250k-1MM 101 $29,737 $294,426
    Farmland loans - <$1MM 67 $6,063 $90,493
    Farmland loans - <$100k 34 $689 $20,265
    Farmland loans - $100-250k 19 $2,241 $117,947
    Farmland loans - $250k-1MM 14 $3,133 $223,786
    Agriculture operations loans - <$1MM 159 $3,742 $23,535
    Agriculture operations loans - <$100k 145 $2,156 $14,869
    Agriculture operations loans - $100-250k 12 $999 $83,250
    Agriculture operations loans - $250k-1MM 2 $587 $293,500