28.44
+1.86%
Close of 9 Nov 2026, in USD
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About Citizens & Northern
From its filings with the US Securities and Exchange Commission
Citizens & Northern is based in Wellsboro, Pennsylvania and is incorporated in Pennsylvania. Its shares trade on Nasdaq under the ticker CZNC. The SEC classifies its business as state commercial banks. In the fiscal year to 31 December 2025, it reported net income of $23.4m. At that date it held total assets of $3.13bn and shareholders' equity of $341.7m.
Citizens & Northern Corporation (“Corporation”) is a bank holding company whose principal activity is community banking. The Corporation’s principal office is located in Wellsboro, Pennsylvania. The largest subsidiary is Citizens & Northern Bank (“C&N Bank” or the “Bank”). The Corporation’s other wholly-owned subsidiaries are Citizens & Northern Investment Corporation and Bucktail Life Insurance Company (“Bucktail”). Citizens & Northern Investment Corporation was formed in 1999 to engage in investment activities. Bucktail reinsures credit and mortgage life and accident and health insurance on behalf of C&N Bank.
C&N Bank is a Pennsylvania banking institution that was formed by the consolidation of Northern National Bank of Wellsboro and Citizens National Bank of Towanda in 1971. C&N Bank has operated under its current name since May 6, 1975, at which time C&N Bank changed its charter from a national bank to a Pennsylvania bank. The Bank has expanded its presence over the past several decades through a series of mergers as well as by opening new branch and lending offices and providing access to banking services via the internet and through ATMs. At December 31, 2025, the Bank had 35 branch offices, including 28 in the Northern tier/Northcentral region of Pennsylvania, 1 in the Southern tier of New York State, 4 in Southeastern Pennsylvania (3 in Bucks County and 1 in Chester County) and 2 in Southcentral Pennsylvania (York and Lancaster). In addition to its branch locations, the Bank has a lending office in Elmira, New York.
Quoted from its 10-K, filed 6 Mar 2026. Read the filing on SEC.gov ↗
Company facts
- Sector
- Financials
- Industry
- Banks
- Listed since
- 27 Oct 1993
- Employees
- 460
- Head office
- 90-92 MAIN ST, WELLSBORO, PA, 16901
- Incorporated in
- PA
- Classification
- State Commercial Banks
- Filer status
- Accelerated filer
Leadership
Pay as last reported
- Mr. Terry LehmanIndependent Chairman of the Board$117,068
- Mr. J. ScovillPresident, Chief Executive Officer, Director, since 2015$1.4m
- Mr. Glenn JamesExecutive Vice President, General Counsel, Corporate Secretary
- Mr. Alexander BalagourExecutive Vice President, Chief Information Officer of the Bank
- Mr. Matthew BowerExecutive Vice President, Chief Wealth Management Officer of the Bank
- Ms. Kelley CwiklinskiExecutive Vice President, Chief Commercial Lending Officer$486,165
- Mr. Stan DunsmoreExecutive Vice President, Chief Credit Officer of the Bank$434,578
- Mr. Harold HooseExecutive Vice President, Chief Revenue Officer of the Bank$549,775
- Mr. John ReberExecutive Vice President, Chief Risk Management Officer of the Bank
- Mr. Thomas RudyExecutive Vice President, Chief Delivery Officer and Region President of the Bank$180,254
- Mr. Blair RushExecutive Vice President, Southeast Region President of the Bank$489,579
- Ms. Tracy WatkinsExecutive Vice President, Chief Human Resources Officer of the Bank
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 41
- Environment
- 48
- Social
- 16
- Governance
- 58
- Carbon reduction policy
- No
- Human rights policy
- No
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Citizens & Northern Corp has several key strengths that contribute to its success in the market. Firstly, the company has a strong financial position and a solid track record of profitability. This provides stability and confidence to both investors and customers.
- Secondly, Citizens & Northern Corp has built a reputable brand over the years, known for its excellent customer service and community involvement. This positive image enhances customer loyalty and attracts new customers.
- Furthermore, the company benefits from a well-established branch network, strategically located to serve its target market effectively. This extensive presence ensures accessibility and convenience for customers across various regions.
Weaknesses
- Despite its strengths, Citizens & Northern Corp also faces certain weaknesses that need to be addressed. One notable weakness is its limited product diversity. The company heavily relies on traditional banking services, which may hinder its ability to compete with more comprehensive financial institutions.
- Additionally, Citizens & Northern Corp may lack technological advancements compared to some of its competitors. This could result in potential inefficiencies or missed opportunities in terms of digital banking platforms and innovative financial solutions.
Opportunities
- The evolving financial landscape presents numerous opportunities for Citizens & Northern Corp to expand and thrive. One significant opportunity lies in the growing demand for online and mobile banking services. By investing in and enhancing its digital capabilities, the company can attract tech-savvy customers and gain a competitive edge.
- Another opportunity is the potential for geographic expansion. Citizens & Northern Corp can consider entering new markets or acquiring smaller regional banks to increase its market share and reach a wider customer base.
Threats
- Like any other financial institution, Citizens & Northern Corp faces various threats in the industry. One prominent threat is the intense competition from larger national banks and other regional players. This competition can potentially impact market share and customer acquisition.
- Additionally, economic downturns or financial crises can pose significant threats to the company's stability and profitability. Fluctuating interest rates, inflation, and regulatory changes may also have adverse effects on its financial performance.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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