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Citizens & Northern Corporation
90-92 Main St
Phone: (717) 265-6171p:717 265-6171 WELLSBORO, PA  16901  United States Ticker: CZNCCZNC

Business Summary
Citizens & Northern Corporation is a holding company whose principal activity is community banking. The Company's subsidiaries include Citizens & Northern Bank (the Bank), Citizens & Northern Investment Corporation and Bucktail Life Insurance Company (Bucktail). The Bank is a Pennsylvania banking institution, which provides a range of banking services, including deposit and loan products for personal and commercial customers. The Bank also provides wealth management services through its trust department and C&N Financial Services, LLC (CNFS). The trust department offers a range of financial services, such as 401(k) plans, retirement planning, estate planning, estate settlements and asset management. It operates over 29 branch offices, including 22 in the Northern tier/Northcentral region of Pennsylvania, one in the Southern tier of New York State, four in Southeastern Pennsylvania and two in Southcentral Pennsylvania. The Bank also has a lending office in Elmira, New York.

Scores and Ratings
FRISK®
Score
Z''
Score
PAYCE®
Score
DBT
Index
Moody's
Rating
Fitch
Rating
DBRS
Rating
Yes--Yes---

Financials, News and Filings
Latest
Statement
Last
Audit

News
SEC
Filings
Bankruptcy
Filings
Suit &
Judgment
Filings
Tax
Lien
Filings
12/31/202312/31/2023YesYes---

Officers and Directors

Title

Name

Age
Title
Date
Start
Date
Independent Chairman of the Board Terry L.Lehman 66 5/1/2021 2/1/2016
President, Chief Executive Officer, Director J. B.Scovill 64 3/2/2015 2/26/2015
Executive Vice President, General Counsel, Corporate Secretary GlennJames 70 6/1/2023 6/1/2023
12 additional Officers and Directors records available in full report.

Subsidiaries
Business Name Address City State/Province Country
FIRST STATE BANK 3 Main St Canisteo New York United States
Covenant Bank 1980 S Easton Road Doylestown PA United States
Covenant Financial, Inc. 1980 South Easton Road Doylestown PA United States
3 additional Subsidiary records available in full report.

Business Names
Business Name
Bucktail Life Insurance Company
C&N Financial Services, LLC
Citizens & Northern Bank
7 additional Business Names available in full report.

General Information
Number of Employees: 404 (As of 12/31/2023)
Outstanding Shares: 15,378,065 (As of 2/29/2024)
Shareholders: 2,036
Stock Exchange: NASD
Federal Tax Id: 232451943
Email Address: craigl@cnbankpa.com


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Thursday, April 18, 2024