BlastPoint's Banking Scorecard
Citizens & Northern Bank
Community
Specialty: Commercial
PA
FDIC cert 7799
Wellsboro, PA
1484
banks in Community tier nationally
51 in PA
View Community leaderboard (PA) →
Citizens & Northern Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 54% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.1B
+20.1% YoY
+17.7% QoQ
|
+$1.7B |
$1.4B
+2.0% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
Top 8% in tier |
| Total Loans ? |
$2.3B
+23.8% YoY
+20.9% QoQ
|
+$1.3B |
$975.5M
+2.4% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
Top 7% in tier |
| Total Deposits ? |
$2.6B
+22.4% YoY
+18.3% QoQ
|
+$1.4B |
$1.2B
+1.7% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
Top 8% in tier |
| Return on Assets ? |
0.92%
-13.7% YoY
-10.3% QoQ
|
-0.25% |
1.16%
+17.2% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
32% |
| Net Interest Margin ? |
3.75%
+9.5% YoY
+4.5% QoQ
|
+0.09% |
3.66%
+9.1% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
57% |
| Efficiency Ratio ? |
69.39%
+4.0% YoY
+5.8% QoQ
|
+6.76% |
62.63%
-5.3% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
28% |
| Delinquency Rate ? |
1.42%
+11.0% YoY
+1.7% QoQ
|
+0.79% |
0.63%
+18.3% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
89.94%
+1.1% YoY
+2.1% QoQ
|
+6.88% |
83.06%
+0.3% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
21.26%
-10.7% YoY
-11.6% QoQ
|
+0.21% |
21.05%
-0.9% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
56% |
| Nonperforming Asset Ratio ? |
1.06%
+14.2% YoY
+3.4% QoQ
|
+0.56% |
0.50%
+20.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
18% |
| Tier 1 Capital Ratio ? |
12.59%
-10.8% YoY
-10.0% QoQ
|
+2.34% |
10.24%
-0.6% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.99%
-12.1% YoY
+16.6% QoQ
|
+0.25% |
0.74%
-1.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
Top 15% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Margin Compression
decline
#65 of 120 · Bottom 54% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
0.92%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Total Loans
Current: $2.3B · Tier avg: $975.5M
92
92th pctile
Total Assets
Current: $3.1B · Tier avg: $1.4B
92
92th pctile
Total Deposits
Current: $2.6B · Tier avg: $1.2B
85
85th pctile
Non-Interest Income / Assets
Current: 0.99% · Tier avg: 0.74%
57
57th pctile
Net Interest Margin
Current: 3.75% · Tier avg: 3.66%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 21.26% · Tier avg: 21.05%
53
53th pctile
Tier 1 Capital Ratio
Current: 12.59% · Tier avg: 10.24%
35
35th pctile
Loan-to-Deposit Ratio
Current: 89.94% · Tier avg: 83.06%
32
32th pctile
Return on Assets
Current: 0.92% · Tier avg: 1.16%
28
28th pctile
Efficiency Ratio
Current: 69.39% · Tier avg: 62.63%
18
18th pctile
Nonperforming Asset Ratio
Current: 1.06% · Tier avg: 0.50%
17
17th pctile
Delinquency Rate
Current: 1.42% · Tier avg: 0.63%
Top Weaknesses
17
17th pctile
Delinquency Rate
Current: 1.42% · Tier avg: 0.63%
18
18th pctile
Nonperforming Asset Ratio
Current: 1.06% · Tier avg: 0.50%
28
28th pctile
Efficiency Ratio
Current: 69.39% · Tier avg: 62.63%
32
32th pctile
Return on Assets
Current: 0.92% · Tier avg: 1.16%
35
35th pctile
Loan-to-Deposit Ratio
Current: 89.94% · Tier avg: 83.06%
53
53th pctile
Tier 1 Capital Ratio
Current: 12.59% · Tier avg: 10.24%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 21.26% · Tier avg: 21.05%
57
57th pctile
Net Interest Margin
Current: 3.75% · Tier avg: 3.66%
85
85th pctile
Non-Interest Income / Assets
Current: 0.99% · Tier avg: 0.74%
92
92th pctile
Total Deposits
Current: $2.6B · Tier avg: $1.2B
92
92th pctile
Total Assets
Current: $3.1B · Tier avg: $1.4B
93
93th pctile
Total Loans
Current: $2.3B · Tier avg: $975.5M