Citizens&Northern Bank (FDIC #7799): Bank Stress & Real-Estate Credit Exposure
Citizens&Northern Bank (FDIC Cert #7799): bank stress 67/100, elevated, STABLE over 7 days; parent CITIZENS&NORTHERN CORP (CZNC).
Citizens&Northern Bank (#7799) lends in 14 counties across 2 states; Citizens&Northern Bank (#7799) reaches 393 ZIP codes: Pennsylvania 13 counties, 353 ZIPs; New York 1 county, 40 ZIPs.
Citizens&Northern Bank (#7799) largest markets: Lancaster County, PA (61 branches, 61 ZIPs) (#7799), Bucks County, PA (180 branches, 60 ZIPs) (#7799), York County, PA (47 branches, 47 ZIPs) (#7799), Chester County, PA (46 branches, 46 ZIPs) (#7799), Steuben County, NY (40 branches, 40 ZIPs) (#7799), Lycoming County, PA (180 branches, 30 ZIPs) (#7799).
Citizens&Northern Bank (#7799) reports $3.14 billion in total assets; Citizens&Northern Bank (#7799) equity $355.8 million (11.3% of Citizens&Northern Bank (#7799) assets); Citizens&Northern Bank (#7799) domestic deposits $2.61 billion; Citizens&Northern Bank (#7799) net income $15.1 million; Citizens&Northern Bank (#7799) return on assets 0.96%; Citizens&Northern Bank (#7799) return on equity 8.61%; Citizens&Northern Bank (#7799) net interest income $58.6 million; Citizens&Northern Bank (#7799) call report June 30, 2026.
Citizens&Northern Bank (#7799) noncurrent real-estate loans 0.98% of its book; Citizens&Northern Bank (#7799) multifamily 0.17%; Citizens&Northern Bank (#7799) residential 2.11%; Citizens&Northern Bank (#7799) net charge-offs on real estate 1.88%; Citizens&Northern Bank (#7799) multifamily charge-offs 1.14%; Citizens&Northern Bank (#7799) residential charge-offs 2.34%.
Citizens&Northern Bank (#7799) net interest margin 4.10% against an eight-quarter Citizens&Northern Bank (#7799) average of 3.65% (Citizens&Northern Bank (#7799) compression -0.44 points); Citizens&Northern Bank (#7799) real-estate loans 97.6% of equity; Citizens&Northern Bank (#7799) non-residential real estate 234.1% of equity; Citizens&Northern Bank (#7799) rate-exposure score 40/100, Citizens&Northern Bank (#7799) fixed-rate trap 40/100; Citizens&Northern Bank (#7799) risk type credit driven; Citizens&Northern Bank (#7799) rate regime rates elevated; Citizens&Northern Bank (#7799) shares 2.4% below the 52-week high, Citizens&Northern Bank (#7799) equity trend strong, Citizens&Northern Bank (#7799) snapshot October 19, 2026.
Citizens&Northern Bank (#7799) stress score moved from 83.7 on June 22, 2026 to 66.6 on October 20, 2026; Citizens&Northern Bank (#7799) ranged 66.6 to 83.7 over 117 snapshots.
Citizens&Northern Bank (#7799) alerts: 14 counties; top Citizens&Northern Bank (#7799) alert scores: Lancaster County, PA 39 (moderate); Wayne County, PA 37 (moderate); York County, PA 32 (low); Beaver Springs County, PA 22 (low); Coudersport County, PA 22 (low).