CITIZENS & NORTHERN CORP

Citizens & Northern Corporation operates as a bank holding company primarily engaged in community banking through Citizens & Northern Bank and other subsidiaries. The company provides a comprehensive suite of financial solutions, including personal and commercial lending and deposit products. In addition to core banking services, it delivers wealth management offerings such as retirement planning, estate planning, asset management, and 401(k) administration through its trust department. Through subsidiary entities, it also makes available insurance products, mutual funds, annuities, and educational savings accounts, alongside credit and mortgage reinsurance operations. It serves a diverse customer base of individual consumers and commercial clients.

Headquartered in Wellsboro, Pennsylvania, the organization maintains a physical footprint across Pennsylvania and southern New York. Its network comprises 35 branch locations across Northcentral, Southeastern, and Southcentral Pennsylvania as well as New York's Southern tier, supplemented by a lending office in Elmira, New York. It employs approximately 460 full-time equivalent workers.

Summary of the business section of Citizens & Northern's latest annual report, written by StockData.

“Actually paid” adjusts reported pay for changes in the value of equity awards. Shareholder return assumes $100 invested at the start of the measurement period, as disclosed by the company.

“At December 31, 2025, the Corporation had 460 full-time equivalent employees.”