Citizens & Northern Corporation is the bank holding company for Citizens & Northern Bank, a community-oriented financial institution headquartered in Wellsboro, Pennsylvania. Chartered in 1888, the company has cultivated deep roots in north central Pennsylvania and selected counties in upstate New York, offering a broad spectrum of banking services tailored to individuals, families and local businesses.
Through its flagship banking subsidiary, Citizens & Northern provides personal deposit products such as checking and savings accounts, certificates of deposit and money market accounts. The bank also offers mortgage lending, home equity lines of credit, consumer installment loans and a suite of digital banking tools, including online and mobile platforms designed to simplify account access and payment services.
On the commercial side, Citizens & Northern supports small and mid-sized enterprises with tailored financing solutions, including commercial real estate loans, SBA lending, agriculture and livestock financing, equipment leasing and treasury management services. The company’s business clients benefit from cash management products, merchant services, remote deposit capture and specialized lending expertise aimed at promoting regional economic development.
In addition to traditional banking services, Citizens & Northern delivers wealth management and trust services through its affiliate trust department, assisting clients with retirement planning, fiduciary administration and investment advisory solutions. Backed by a seasoned executive team and local board of directors, the bank emphasizes community engagement, reinvesting in the markets it serves and maintaining a focus on personalized service and financial stewardship.
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