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 (8.8 on a scale of 0 to 10). Excellent current capitalization (8.5 on a scale of 0 to 10) based on a risk-based capital ratio of 14.1 and a capital leverage ratio of 10.0.
Other Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.0 has resulted in Fair (4.8) profitability. A current level of 11.5 percent of nonperforming loans to core capital combined with 8.0 percent from a year earlier contributes to the Fair asset quality (4.4).
Asset Mix:
Comm re (29%), home mtgs (20%), securities (16%), comm loans (6%), cash (3%), home eq lns (3%), consumer loans (1%), other (23%)
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
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