| Weiss Ratings |
Citizens & Northern Bank
Wellsboro, PA |
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| Rating | ||||
| Asset Quality Index | 5.00 | |||
| Capitalization Index | 9.40 | |||
| Liquidity Index | 2.90 | |||
| Profitability Index | 5.10 | |||
| Stability Index | 9.70 | |||
| 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 | -0.20% | |||
| 5-Year Asset Growth | 11.72% | |||
| 5-Year Charge-Offs to Average Loans | 0.12% | |||
| Charge-Offs to Average Loans | 0.05% | |||
| Non-Performing Assets to Assets | 1.01% | |||
| Non-Performing Loans to Capital | 8.89% | |||
| Non-Performing Loans to Loans | 1.38% | |||
| Balance Sheet |
Citizens & Northern Bank
Wellsboro, PA |
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| Total Assets | 2.65B | |||
| Total Deposits | 2.18B | |||
| Capital and Reserves |
Citizens & Northern Bank
Wellsboro, PA |
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| Capital | 303.22M | |||
| Leverage Ratio | 10.61 | |||
| Loan Loss Reserves to Loans | 1.21% | |||
| Risk-Based Capital Ratio | 15.23 | |||
| Liquidity |
Citizens & Northern Bank
Wellsboro, PA |
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| Hot Money Ratio | 16.04% | |||
| Liquidity Ratio | 12.39% | |||
| Profitability |
Citizens & Northern Bank
Wellsboro, PA |
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| 5-Year Return on Average Assets | 1.13% | |||
| Net Income | 20.00M | |||
| Net Interest Spread | 3.55% | |||
| Operating Profit to Average Assets | 1.26% | |||
| Overhead Efficiency Ratio | 65.96% | |||
| Return on Assets | 1.02% | |||
| Return on Equity | 9.07% | |||