Citizens & Northern Bank has been a local, independent community bank since 1864. From the very beginning, C&N has been committed to the businesses and families in our local communities. C&N has been instrumental in helping those communities thrive by providing needed funding for growth and contributing to local charities which share C&N’s mission to enhance the lives of our neighbors in the communities we serve. Citizens & Northern Bank was formed October 1, 1971 following the consolidation of Northern National Bank of Wellsboro and Citizens National Bank of Towanda. 

Citizens & Northern Bank is conveniently located in eight counties in Pennsylvania and New York. Full service branch offices are located in Bradford, Cameron, Lycoming, McKean, Potter, Sullivan and Tioga Counties in Pennsylvania and Steuben County in New York. Plus we offer banking 24-7 with our Internet, Telephone and Mobile Banking systems. Check out our e-z Mobile Deposit app that lets you deposit checks anywhere, anytime right from your iPhone or Android Phone. We make banking with us easy!