| Weiss Ratings |
Citizens & Northern Bank
Wellsboro, PA |
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| Rating | ||||
| Asset Quality Index | 4.40 | |||
| Capitalization Index | 8.50 | |||
| Liquidity Index | 2.90 | |||
| Profitability Index | 4.80 | |||
| Stability Index | 8.80 | |||
| Company Info |
Citizens & Northern Bank
Wellsboro, PA |
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| FDIC Number | 7799 | |||
| Phone Number | (570) 724-3411 | |||
| Website | www.cnbankpa.com | |||
| Asset Quality |
Citizens & Northern Bank
Wellsboro, PA |
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| 1-Year Asset Growth | 20.97% | |||
| 5-Year Asset Growth | 8.09% | |||
| 5-Year Charge-Offs to Average Loans | 0.11% | |||
| Charge-Offs to Average Loans | 0.88% | |||
| Non-Performing Assets to Assets | 1.25% | |||
| Non-Performing Loans to Capital | 11.54% | |||
| Non-Performing Loans to Loans | 1.69% | |||
| Balance Sheet |
Citizens & Northern Bank
Wellsboro, PA |
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| Total Assets | 3.14B | |||
| Total Deposits | 2.61B | |||
| Capital and Reserves |
Citizens & Northern Bank
Wellsboro, PA |
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| Capital | 355.79M | |||
| Leverage Ratio | 9.97 | |||
| Loan Loss Reserves to Loans | 1.38% | |||
| Risk-Based Capital Ratio | 14.10 | |||
| Liquidity |
Citizens & Northern Bank
Wellsboro, PA |
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| Hot Money Ratio | 15.01% | |||
| Liquidity Ratio | 11.57% | |||
| Profitability |
Citizens & Northern Bank
Wellsboro, PA |
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| 5-Year Return on Average Assets | 1.11% | |||
| Net Income | 15.10M | |||
| Net Interest Spread | 4.02% | |||
| Operating Profit to Average Assets | 1.19% | |||
| Overhead Efficiency Ratio | 60.07% | |||
| Return on Assets | 0.96% | |||
| Return on Equity | 8.64% | |||