Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.1 on a scale of 0 to 10). Excellent current capitalization (8.0 on a scale of 0 to 10) based on a risk-based capital ratio of 13.8 and a capital leverage ratio of 9.7.
Other Rating Factors:
A current level of 9.8 percent of nonperforming loans to core capital combined with 7.9 percent from a year earlier contributes to the Fair asset quality (4.8). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.9 has resulted in Fair (4.6) profitability.
Asset Mix:
Comm re (29%), home mtgs (20%), securities (16%), comm loans (6%), home eq lns (3%), cash (1%), consumer loans (1%), other (24%)
States with Branches:
NY, PA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Citizens & Northern Corporation
Investment Rating
Address
90-92 Main Street
Wellsboro, PA 16901
Wellsboro, PA 16901
Phone Number
(570) 724-3411
Year Founded
1864
FDIC Number
Website
Largest Affiliates
No affiliate information available.