Citizens & Northern Corporation

Citizens & Northern Corporation is the bank holding company for Citizens & Northern Bank, offering a wide range of banking and related services to individual and corporate customers. Its deposit products include checking accounts, passbook and statement savings, money market accounts, interest checking accounts, individual retirement accounts, and certificates of deposit. The company also provides debit cards, lending products such as commercial, mortgage, and consumer loans, as well as commercial letters of credit and lines of credit. Additionally, it offers wealth management services including 401(k) plans, retirement planning, estate planning and settlements, and asset management. Through a broker-dealer arrangement, it provides insurance products, mutual funds, annuities, educational savings accounts, and investment products, and also reinsures credit and mortgage life and accident and health insurance.

Citizens & Northern Corporation is listed on the Nasdaq Capital Market (NasdaqCM) under the ticker symbol CZNC. The company's financials are reported in US Dollars (USD), reflecting its operations in the United States.

Citizens & Northern Corporation operates in the Financial Services sector, specifically within the Banks - Regional industry. As a regional bank holding company, it focuses on providing traditional banking services, lending, and wealth management to customers in its geographic footprint.

Citizens & Northern Corporation is headquartered in Wellsboro, Pennsylvania, and was founded in 1864. The company serves customers in Northcentral Pennsylvania, the Southern tier of New York State, Southeastern Pennsylvania, and Southcentral Pennsylvania. Its operations are concentrated in these regions, offering banking and financial services to individuals and businesses.

Citizens & Northern Corporation generates revenue primarily through its banking subsidiary, Citizens & Northern Bank. Its income streams include interest income from lending products such as commercial, mortgage, and consumer loans, as well as fees from deposit accounts and wealth management services. The company also earns revenue from insurance products, mutual funds, annuities, and investment products offered through a broker-dealer arrangement. Additionally, it reinsures credit and mortgage life and accident and health insurance, contributing to its overall revenue.