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 and Refi loans. Citizens & Northern Bank has a high proportion of conventional loans. Their top markets by origination volume include: Sayre, Williamsport, Philadelphia, Corning, and Binghamton among others. We have data for 29 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% 12/16/24
    30 Year Conventional Purchase 6.49% 12/16/24
    30 Year Conventional Refi 6.37% 12/16/24
    30 Year Cash-out Refi 6.79% 12/16/24
    15 Year Conventional Purchase 6.90% 12/16/24
    15 Year Conventional Refi 6.65% 12/16/24
    15 Year Cash-out Refi 6.65% 12/16/24
    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

    974

    Origination Dollar Volume (All Markets)

    $120,320,000

    Employee count

    336

    Awards

    Citizens & Northern Bank 30 Year Conventional Loans gold
    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 347 $38,045,000 $109,640 $2,199 4.75%
    Sayre, PA (FHA|USDA|VA) 288 $34,560,000 $120,000 $2,515 4.75%
    WILLIAMSPORT, PA (FHA|USDA|VA) 101 $13,065,000 $129,356 $2,827 4.69%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 64 $11,920,000 $186,250 $4,468 5.30%
    Corning, NY (FHA|USDA|VA) 41 $5,535,000 $135,000 $2,818 4.86%
    BINGHAMTON, NY (FHA|USDA|VA) 42 $4,240,000 $100,952 $2,348 4.98%
    ELMIRA, NY (FHA|USDA|VA) 23 $2,855,000 $124,130 $3,545 4.68%
    Bradford, PA (FHA|USDA|VA) 18 $1,710,000 $95,000 $2,700 4.70%
    BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 8 $1,290,000 $161,250 $3,337 4.45%
    ITHACA, NY (FHA|USDA|VA) 2 $970,000 $485,000 $8,058 4.69%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 5 $835,000 $167,000 $3,298 4.48%
    STATE COLLEGE, PA (FHA|USDA|VA) 3 $825,000 $275,000 $3,212 4.50%
    Sunbury, PA (FHA|USDA|VA) 7 $755,000 $107,857 $3,084 4.88%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 2 $580,000 $290,000 $0 5.88%
    Lock Haven, PA (FHA|USDA|VA) 4 $340,000 $85,000 $1,453 4.60%
    Cortland, NY (FHA|USDA|VA) 3 $325,000 $108,333 $4,152 4.62%
    SALISBURY, MD-DE (FHA|USDA|VA) 1 $275,000 $275,000 $3,880 4.50%
    ROCHESTER, NY (FHA|USDA|VA) 2 $260,000 $130,000 $4,708 4.82%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $255,000 $255,000 $0 4.50%
    LANCASTER, PA (FHA|USDA|VA) 1 $235,000 $235,000 $3,341 4.50%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $215,000 $215,000 $3,765 4.38%
    Lewisburg, PA (FHA|USDA|VA) 1 $205,000 $205,000 $3,167 4.25%
    TUCSON, AZ (FHA|USDA|VA) 1 $175,000 $175,000 $3,911 3.75%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $165,000 $165,000 $2,971 4.87%
    St. Marys, PA (FHA|USDA|VA) 3 $165,000 $55,000 $1,934 5.17%
    WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 1 $165,000 $165,000 $2,768 3.88%
    Indiana, PA (FHA|USDA|VA) 1 $145,000 $145,000 $6,946 4.25%
    Olean, NY (FHA|USDA|VA) 1 $115,000 $115,000 $4,721 5.12%
    Oneonta, NY (FHA|USDA|VA) 1 $95,000 $95,000 $3,177 4.25%
    Citizens & Northern Bank's top markets include Sayre, Williamsport, Philadelphia, Corning, and Binghamton among others.

    Their top states include:
  • Pennsylvania (FHA|USDA|VA)
  • New York (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • Delaware (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: 88
    FIRST HERITAGE FEDERAL CREDIT UNION
    Similarity Rank: 117
    FIDELITY SAVINGS AND LOAN ASSOCIATION OF BUCKS COUNTY
    Similarity Rank: 122
    Prudential Bank
    Similarity Rank: 162
    First Citizens Community Bank
    Similarity Rank: 175
    CREDIT UNION OF NEW JERSEY
    Similarity Rank: 180
    Five Star Bank
    Similarity Rank: 195
    Chemung Canal Trust Company
    Similarity Rank: 276
    MYCUMORTGAGE, LLC
    Similarity Rank: 308
    SEFCU SERVICES, LLC
    Similarity Rank: 338

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 974 $120,320,000 $123,532 $2,520 4.79%

    For 2019, Citizens & Northern Bank's most frequently originated type of loan was Conventional, with 974 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 524 $78,840,000 $150,458 $3,931 4.76%
    Refi 261 $31,235,000 $119,674 $1,347 4.74%
    Other 98 $4,920,000 $50,204 $480 4.96%
    Home Improvement 79 $3,695,000 $46,772 $396 5.05%
    Cash Out Refi 12 $1,630,000 $135,833 $4,281 3.70%

    For 2019, Citizens & Northern Bank's most frequently cited loan purpose was Home Purchase, with 524 originations. The 2nd most popular reason was Refi, with 261 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    15 Year 282 $22,370,000 $79,326 $962 4.86%
    30 Year 257 $41,635,000 $162,004 $3,704 4.38%
    20 Year 127 $16,935,000 $133,346 $2,980 4.80%
    10 Year 103 $7,435,000 $72,184 $449 5.12%
    Other 96 $14,140,000 $147,292 $3,249 5.28%
    30+ year 84 $16,890,000 $201,071 $5,312 4.65%
    5 Year 19 $595,000 $31,316 $518 5.24%
    1 Year 3 $235,000 $78,333 $0 5.67%
    3 Year 3 $85,000 $28,333 $194 5.67%

    For 2019, Citizens & Northern Bank's most frequently cited loan duration was 15 Year, with 282 originations. The 2nd most popular length was 30 Year, with 257 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 514 $46,270,000 $90,019
    $1k-2k 175 $24,675,000 $141,000
    $2k-3k 88 $17,690,000 $201,023
    $3k-4k 36 $7,720,000 $214,444
    $4k-5k 14 $3,340,000 $238,571
    $5k+ 10 $2,150,000 $215,000

    Citizens & Northern Bank's average total fees were $3,704, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 514 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 443 $53,205,000 $120,102
    5-6% 253 $27,785,000 $109,822
    3-4% 209 $35,215,000 $168,493
    6-7% 44 $2,800,000 $63,636
    Over 8% 14 $390,000 $27,857
    7-8% 10 $640,000 $64,000
    2.5-3% 1 $285,000 $285,000

    During 2019, Citizens & Northern Bank's average interest rate for loans was 4.38%, while their most frequently originated rate bucket for loans was 4-5%, with 443 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 471 $25,195,000 $53,493 $1,098 5.09%
    $100k-200k 344 $48,270,000 $140,320 $3,351 4.58%
    $200k-400k 142 $37,060,000 $260,986 $4,963 4.31%
    $400k-600k 12 $5,700,000 $475,000 $5,432 4.66%
    $600k-1MM 4 $2,870,000 $717,500 $6,683 4.66%
    $1MM+ 1 $1,225,000 $1,225,000 $0 5.25%

    2019 saw Citizens & Northern Bank place emphasis on $100,000 or less loans with 471 originations, totaling $25,195,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 221 $21,395,000 $96,810 $2,326 4.86%
    $50k or less 216 $14,990,000 $69,398 $1,762 5.05%
    $100k-150k 180 $25,810,000 $143,389 $2,957 4.51%
    $75k-100k 168 $21,830,000 $129,940 $2,742 4.54%
    $150k-250k 59 $12,475,000 $211,441 $3,409 4.54%
    $250k+ 36 $8,740,000 $242,778 $4,064 4.35%

    Citizens & Northern Bank lent most frequently to those with incomes in the $50k-75k range, with 221 originations. The second most popular income band? $50k or less, with 216 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 250 $24,750,000 $99,000 $2,103 4.74%
    30-36% 214 $26,880,000 $125,607 $2,728 4.69%
    <20% 75 $8,905,000 $118,733 $2,614 4.43%
    36% 55 $7,065,000 $128,455 $2,451 4.65%
    40% 44 $4,940,000 $112,273 $2,540 4.76%
    37% 44 $5,640,000 $128,182 $2,381 4.74%
    38% 44 $6,760,000 $153,636 $2,772 4.43%
    41% 41 $4,865,000 $118,659 $2,357 4.90%
    42% 36 $4,560,000 $126,667 $2,807 4.88%
    39% 35 $3,605,000 $103,000 $2,164 4.76%
    43% 14 $2,270,000 $162,143 $3,637 4.46%
    44% 7 $855,000 $122,143 $3,766 4.70%
    45% 4 $780,000 $195,000 $5,897 4.81%
    46% 3 $365,000 $121,667 $3,405 5.33%
    48% 3 $515,000 $171,667 $3,770 4.34%
    49% 2 $520,000 $260,000 $5,666 4.75%
    47% 2 $250,000 $125,000 $4,579 4.56%
    50-60% 1 $745,000 $745,000 $4,718 4.50%

    Citizens & Northern Bank lent most frequently to those with DTI ratios of 20-30%, with 250 originations. The next most common DTI ratio? 30-36%, with 214 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 857 $101,305,000 $118,209 $2,512 4.72%
    Not applicable 73 $12,755,000 $174,726 $0 5.55%
    Not provided 38 $4,260,000 $112,105 $2,254 4.99%
    Black 2 $940,000 $470,000 $3,301 4.07%
    Asian 3 $655,000 $218,333 $6,732 4.46%
    Other Asian 1 $405,000 $405,000 $7,380 4.00%

    Approval Rates

    Total approvals of all applications
    92.08%

    Citizens & Northern Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    91.48%

    Citizens & Northern Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    133.0 16 $550,000 $34,375
    NA 958 $119,770,000 $125,021

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 1 $505,000 $505,000
    Multifamily:Site-Built 8 $2,050,000 $256,250
    Single Family (1-4 Units):Manufactured 117 $8,285,000 $70,812
    Single Family (1-4 Units):Site-Built 848 $109,480,000 $129,104

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 104 $7,330,000 $70,481 $634 4.84%
    40-60% 115 $11,375,000 $98,913 $1,615 4.83%
    60-80% 342 $46,380,000 $135,614 $2,923 4.93%
    80-100% 315 $52,435,000 $166,460 $3,837 4.50%
    Under 20% 98 $2,800,000 $28,571 $201 5.14%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 10 4.3%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Closing on a mortgage 6 2.6%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Incorrect information on your report 1 0.4%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Struggling to pay mortgage 20 8.6%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Trouble during payment process 81 34.8%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Applying for a mortgage or refinancing an existing mortgage 2 0.9%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Closing on a mortgage 3 1.3%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Incorrect information on your report 1 0.4%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Struggling to pay mortgage 1 0.4%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Trouble during payment process 13 5.6%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 11 4.7%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Closing on a mortgage 9 3.9%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Struggling to pay mortgage 8 3.4%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Trouble during payment process 52 22.3%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 0.4%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Closing on a mortgage 4 1.7%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Struggling to pay mortgage 2 0.9%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Trouble during payment process 3 1.3%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Applying for a mortgage or refinancing an existing mortgage 2 0.9%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Struggling to pay mortgage 1 0.4%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Trouble during payment process 2 0.9%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Citizens & Northern Bank 135 East Fourth Street Emporium, PA 15834 Full Service B&M $23,049
    Citizens & Northern Bank 10 North Main Street Coudersport, PA 16915 Full Service B&M $58,926
    Citizens & Northern Bank 100 Maple Street Port Allegany, PA 16743 Full Service B&M $9,934
    Citizens & Northern Bank 102 East Main Street, Route 49 Knoxville, PA 16928 Full Service B&M $38,678
    Citizens & Northern Bank 104 Main Street Elkland, PA 16920 Full Service B&M $31,273
    Citizens & Northern Bank 1085 S. Main Street Mansfield, PA 16933 Full Service B&M $30,413
    Citizens & Northern Bank 111 W. Main Street Dushore, PA 18614 Full Service B&M $53,677
    Citizens & Northern Bank 130 Court Street Williamsport, PA 17701 Full Service B&M $113,465
    Citizens & Northern Bank 1467 Golden Mile Rd Wysox, PA 18854 Full Service B&M $59,331
    Citizens & Northern Bank 1510 Dewey Avenue Williamsport, PA 17701 Full Service B&M $24,027
    Citizens & Northern Bank 1827 Elmira Street Sayre, PA 18840 Full Service B&M $68,455
    Citizens & Northern Bank 2 East Mountain Avenue South Williamsport, PA 17702 Full Service B&M $6,990
    Citizens & Northern Bank 230-232 Railroad Street Jersey Shore, PA 17740 Full Service B&M $7,250
    Citizens & Northern Bank 3 Main Street Canisteo, NY 14823 Full Service B&M $26,015
    Citizens & Northern Bank 33 Swamp Road Newtown, PA 18940 Full Service B&M $44,550
    Citizens & Northern Bank 3461 Route 405 Highway Muncy, PA 17756 Full Service B&M $21,023
    Citizens & Northern Bank 41 Main Street Tioga, PA 16946 Full Service B&M $27,658
    Citizens & Northern Bank 428 Main Street Towanda, PA 18848 Full Service B&M $74,164
    Citizens & Northern Bank 428 South Main Street Athens, PA 18810 Full Service B&M $57,678
    Citizens & Northern Bank 4534 Williamson Trail Liberty, PA 16930 Full Service B&M $56,307
    Citizens & Northern Bank 465 North Main Street Doylestown, PA 18901 Full Service B&M $165,723
    Citizens & Northern Bank 514 Main Street Laporte, PA 18626 Full Service B&M $29,147
    Citizens & Northern Bank 563 Main Street East Smithfield, PA 18817 Full Service B&M $32,363
    Citizens & Northern Bank 612 James Monroe Avenue Monroeton, PA 18832 Full Service B&M $14,110
    Citizens & Northern Bank 6250 County Route 64 Hornell, NY 14843 Full Service B&M $16,020
    Citizens & Northern Bank 64 Elmira St. Troy, PA 16947 Full Service B&M $78,910
    Citizens & Northern Bank 90-92 Main Street Wellsboro, PA 16901 Full Service B&M $122,765

    For 2019, Citizens & Northern Bank had 27 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $64,398
    Net interest income $54,464
    Total noninterest income $19,040
    Gross Fiduciary activities income $6,106
    Service charges on deposit accounts $5,358
    Trading account gains and fees $0
    Additional Noninterest Income $7,576
    Pre-tax net operating income $24,526
    Securities gains (or losses, -) $52
    Income before extraordinary items $20,289
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $20,289
    Minority interest net income $0
    Net income $20,289
    Sale, conversion, retirement of capital stock, net $802
    Net operating income $20,245

    Citizens & Northern Bank's gross interest income from loans was $64,398,000.
    Citizens & Northern Bank's net interest income from loans was $54,464,000.
    Citizens & Northern Bank's fee based income from loans was $5,358,000.
    Citizens & Northern Bank's net income from loans was $20,289,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $9,934
    Provision for credit losses $849
    Total noninterest expense $48,129
    Salaries and employee benefits $26,194
    Premises and equipment expense $3,918
    Additional noninterest expense $18,017
    Applicable income taxes $4,289
    Net charge-offs $322
    Cash dividends $24,600

    Citizens & Northern Bank's interest expense for loans was $9,934,000.
    Citizens & Northern Bank's payroll and benefits expense were $26,194,000.
    Citizens & Northern Bank's property, plant and equipment expenses $3,918,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 2.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 0.0%
    All other family 1.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 1.9%
    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 $1,259,440
    Deposits held in domestic offices $1,259,440
    Deposits by Individuals, partnerships, and corporations $1,062,532
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $195,032
    Deposits by Commercial banks and other depository institutions in U.S. $1,876
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $515,836
    Demand deposits $292,398
    Nontransaction accounts $743,604
    Money market deposit accounts (MMDAs) $199,243
    Other savings deposits (excluding MMDAs) $169,666
    Total time deposits $374,695
    Total time and savings deposits $967,042
    Noninterest-bearing deposits $292,398
    Interest-bearing deposits $967,042
    Retail deposits $1,159,980
    IRAs and Keogh plan accounts $86,964
    Brokered deposits $14,984
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,638,285
    Cash & Balances due from depository institutions $33,667
    Interest-bearing balances $16,004
    Total securities $333,555
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,173,153
    Loan and leases loss allowance $9,836
    Trading account assets $0
    Bank premises and fixed assets $18,807
    Other real estate owned $2,886
    Goodwill and other intangibles $30,912
    All other assets $45,305

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,638,285
    Total Liabilities $1,409,872
    Total deposits $1,259,440
    Interest-bearing deposits $967,042
    Deposits held in domestic offices $1,259,440
    % insured (estimated) $74
    Federal funds purchased and repurchase agreements $1,929
    Trading liabilities $0
    Other borrowed funds $138,055
    Subordinated debt $0
    All other liabilities $10,448

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,173,153
    Loan and leases loss allowance $9,836
    Total loans and leases (domestic) $1,182,989
    All real estate loans $965,450
    Real estate loans in domestic offices $965,450
    Construction and development loans $48,353
    Residential 1-4 family construction $14,798
    Other construction, all land development and other land $33,555
    Loans secured by nonfarm nonresidential properties $301,227
    Nonfarm nonresidential secured by owner-occupied properties $86,590
    Commercial real estate & other non-farm, non-residential $214,637
    Multifamily residential real estate $31,070
    1-4 family residential loans $572,549
    Farmland loans $12,251
    Loans held in foreign offices $0
    Farm loans $4,319
    Commercial and industrial loans $126,374
    To non-U.S. addressees $0
    Loans to individuals $16,741
    Credit card loans $1,988
    Related Plans $595
    Consumer Auto Loans $7,503
    Other loans to individuals $6,655
    All other loans & leases $70,105
    Loans to foreign governments and official institutions $0
    Other loans $16,535
    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 $889
    Non 1-4 family restructured loans & leases $250
    Total loans and leases (foreign) $0

    Citizens & Northern Bank had $1,173,153,000 of loans outstanding in 2019. $965,450,000 of loans were in real estate loans. $48,353,000 of loans were in development loans. $31,070,000 of loans were in multifamily mortgage loans. $572,549,000 of loans were in 1-4 family mortgage loans. $4,319,000 of loans were in farm loans. $1,988,000 of loans were in credit card loans. $7,503,000 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 608 $114,933 $189,035
    Nonfarm, nonresidential loans - <$100k 212 $6,971 $32,882
    Nonfarm, nonresidential loans - $100-250k 177 $21,125 $119,350
    Nonfarm, nonresidential loans - $250k-1MM 219 $86,837 $396,516
    Commercial & Industrial, US addressed loans - <$1MM 1,039 $49,184 $47,338
    Commercial & Industrial, US addressed loans - <$100k 822 $12,160 $14,793
    Commercial & Industrial, US addressed loans - $100-250k 109 $8,538 $78,330
    Commercial & Industrial, US addressed loans - $250k-1MM 108 $28,486 $263,759
    Farmland loans - <$1MM 69 $5,993 $86,855
    Farmland loans - <$100k 32 $752 $23,500
    Farmland loans - $100-250k 23 $2,517 $109,435
    Farmland loans - $250k-1MM 14 $2,724 $194,571
    Agriculture operations loans - <$1MM 137 $3,263 $23,818
    Agriculture operations loans - <$100k 128 $2,143 $16,742
    Agriculture operations loans - $100-250k 8 $754 $94,250
    Agriculture operations loans - $250k-1MM 1 $366 $366,000