Citizens & Northern (NASDAQ:CZNC). is a bank holding company headquartered in Wellsboro, Pennsylvania, operating through its wholly owned subsidiary, Citizens & Northern Bank. Established in 1865, the company has built a reputation for personalized, community-focused banking services. Citizens & Northern offers a comprehensive range of financial solutions tailored to both individuals and businesses, with an emphasis on relationship-driven service and local decision-making.
The company’s primary business activities include commercial lending, consumer mortgages, deposit services and wealth management. Citizens & Northern provides commercial and industrial loans, agricultural financing, commercial real estate lending, and equipment financing to support businesses across various industries. On the consumer side, it delivers residential mortgage products, home equity loans, vehicle loans and a suite of deposit accounts, such as checking, savings and money market accounts. Additionally, the bank’s wealth management division offers trust services, investment management and retirement planning to help clients preserve and grow their assets.
Citizens & Northern maintains a branch network throughout north central Pennsylvania and into the Southern Tier of New York, serving communities in Bradford, Lycoming, Tioga, Potter and Chemung counties. The company has embraced digital banking, providing online and mobile platforms that enable customers to access accounts, make deposits and perform transactions remotely. A network of ATMs and merchant services further supports the banking needs of both urban centers and rural towns within its service area.
Leadership at Citizens & Northern is headed by President and Chief Executive Officer Richard H. Schlager, supported by a seasoned executive team with deep roots in community banking. The company’s governance structure emphasizes local oversight and community engagement, reflecting its long-standing commitment to fostering economic growth and financial well-being in the regions it serves.
