Citizens & Northern Bank

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Citizens & Northern Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Citizens & Northern Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2025, Citizens & Northern Bank had $41,932,000 in non-current loans and $181,000 in owned real estate. To cover these potential losses it had $345,187,000 in equity and $33,832,000 in loans loss reserves. That gives it a Texas Ratio of 11.11%.

Return on Equity

Citizens & Northern Bank has a Return on Equity of 8.61% versus the BestCashCow average of 10.69%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization

Citizens & Northern Bank has a Capitalization of 10.98% versus the BestCashCow average of 11.75. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

As of March 31, 2026, Citizens & Northern Bank had assets of $3,143,130,000, loans of $2,354,679,000, and deposits of $2,620,675,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.