Citizens & Northern Corporation
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- Citizens & Northern Corporation (NASDAQ:CZNC) operates as the bank holding company for Citizens & Northern Bank, a full-service community bank that provides retail and commercial banking, wealth management, and insurance services to individuals and businesses in northern and central Pennsylvania and southern New York. The bank offers deposit products including checking accounts, passbook and statement savings accounts, money market deposit accounts, interest checking accounts, individual retirement accounts, and certificates of deposit; debit cards; lending products such as commercial real estate loans, residential mortgages, consumer loans, commercial and industrial loans, commercial letters of credit, and lines of credit; wealth management services encompassing 401(k) plans, retirement planning, estate planning and settlements, and asset management; and insurance products including credit life, mortgage life, accident, and health insurance offered through subsidiaries C&N Financial Services Corp. and a broker-dealer arrangement, as well as investment products like mutual funds, annuities, and educational savings accounts. Headquartered in Wellsboro, Pennsylvania, and founded in 1864, the company maintains 29 banking and loan production offices across Bradford, Cameron, Lycoming, Potter, Sullivan, Tioga, Bucks, York, Lancaster, and Chester Counties in Pennsylvania, and Steuben and Chemung Counties in New York, with assets exceeding $2.4 billion. In October 2025, Citizens & Northern Corporation completed its $44.3 million all-stock acquisition of Susquehanna Community Financial, Inc., merging Susquehanna Community Bank into C&N and adding approximately $600 million in assets, seven branches, and expanded presence in central Pennsylvania, resulting in pro forma combined assets of $3.2 billion, loans of $2.3 billion, and deposits of $2.6 billion.
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