Founded in 1864, Citizens & Northern Corporation (NASDAQ: CZNC) (“Citizens” or “the company”) is a $3.1 billion-asset holding company headquartered in Wellsboro, Pennsylvania, operating through its banking subsidiary, Citizens & Northern Bank (“the bank”). The company maintains 35 branches, predominantly located in North Central and Southeast PA.
While the growth strategy has largely been organic and relationship driven, CZNC has also pursued M&A opportunities to bolster scale in Pennsylvania. In October 2025, Citizens completed its merger with Susquehanna Community Financial, Inc. (“Susquehanna”), adding ~$600 million in total assets and expanding the footprint in the Lewisburg MSA.
Complementing its retail and commercial banking offerings, CZNC provides insurance and wealth management products through its subsidiaries. The trust department offers a wide range of services, including 401(k) plans, retirement planning, estate…
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