Citizens & Northern is a community bank holding company headquartered in Wellsboro, Pennsylvania. Its principal subsidiary, C&N Bank, provides deposit and loan products to personal and commercial customers across 35 branch offices concentrated in Northern and Northcentral Pennsylvania, with additional branches in Southeastern and Southcentral Pennsylvania and one branch in Southern tier New York. Like most community banks, Citizens & Northern earns a net interest margin by taking in deposits and lending that money out at higher rates. The bank's primary earning assets are its loan book, funded by total deposits, and profitability depends on loan volume, deposit costs, credit quality, and fee income. Beyond core lending, C&N Bank offers wealth management and trust services — including retirement planning, estate planning, and asset management — as well as insurance and investment products through C&N Financial Services. These fee-based services diversify revenue beyond interest income. Citizens & Northern has nearly doubled its balance sheet since 2019, growing total assets from roughly $1.6B to $3.1B, driven by acquisitions and de novo branch openings. Key acquisitions include Monument Bancorp and Covenant Financial, which expanded the bank into Southeastern Pennsylvania, and most recently Susquehanna Community Financial in 2025, which added seven banking offices in central Pennsylvania for $44.6M in stock consideration. Management frames this expansion as a deliberate push to build scale in central Pennsylvania and diversify beyond its legacy Northern tier markets.