| Weiss Ratings |
Citizens & Northern Bank
Wellsboro, PA |
Click to Compare |
Click to Compare |
Click to Compare |
| Rating | ||||
| Asset Quality Index | 4.80 | |||
| Capitalization Index | 8.00 | |||
| Liquidity Index | 2.80 | |||
| Profitability Index | 4.60 | |||
| Stability Index | 9.10 | |||
| Company Info |
Citizens & Northern Bank
Wellsboro, PA |
Click to Compare |
Click to Compare |
Click to Compare |
| FDIC Number | 7799 | |||
| Phone Number | (570) 724-3411 | |||
| Website | www.cnbankpa.com | |||
| Asset Quality |
Citizens & Northern Bank
Wellsboro, PA |
Click to Compare |
Click to Compare |
Click to Compare |
| 1-Year Asset Growth | 20.14% | |||
| 5-Year Asset Growth | 8.09% | |||
| 5-Year Charge-Offs to Average Loans | 0.12% | |||
| Charge-Offs to Average Loans | 0.08% | |||
| Non-Performing Assets to Assets | 1.05% | |||
| Non-Performing Loans to Capital | 9.84% | |||
| Non-Performing Loans to Loans | 1.39% | |||
| Balance Sheet |
Citizens & Northern Bank
Wellsboro, PA |
Click to Compare |
Click to Compare |
Click to Compare |
| Total Assets | 3.12B | |||
| Total Deposits | 2.58B | |||
| Capital and Reserves |
Citizens & Northern Bank
Wellsboro, PA |
Click to Compare |
Click to Compare |
Click to Compare |
| Capital | 351.13M | |||
| Leverage Ratio | 9.66 | |||
| Loan Loss Reserves to Loans | 1.32% | |||
| Risk-Based Capital Ratio | 13.82 | |||
| Liquidity |
Citizens & Northern Bank
Wellsboro, PA |
Click to Compare |
Click to Compare |
Click to Compare |
| Hot Money Ratio | 16.15% | |||
| Liquidity Ratio | 10.71% | |||
| Profitability |
Citizens & Northern Bank
Wellsboro, PA |
Click to Compare |
Click to Compare |
Click to Compare |
| 5-Year Return on Average Assets | 1.13% | |||
| Net Income | 24.84M | |||
| Net Interest Spread | 3.65% | |||
| Operating Profit to Average Assets | 1.11% | |||
| Overhead Efficiency Ratio | 70.36% | |||
| Return on Assets | 0.90% | |||
| Return on Equity | 8.22% | |||