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Citizens & Northern Corp
90-92 Main St
Phone: (717) 265-6171p:717 265-6171 WELLSBORO, PA  16901  United States Ticker: CZNCCZNC
Business Summary
Citizens & Northern Corporation is the bank holding company for Citizens & Northern Bank (the Bank). The Bank is a Pennsylvania banking institution. The Bank provides a range of banking services, including deposit and loan products for personal and commercial customers. The Bank provides wealth management services through its trust department and C&N Financial Services, LLC (CNFS). The trust department offers a wide range of financial services, such as 401(k) plans, retirement planning, estate planning, estate settlements and asset management. CNFS, a subsidiary of the Bank, is a licensed insurance agency that provides insurance products to individuals and businesses and through a broker-dealer arrangement. It operates 35 banking offices located in Bradford, Bucks, Cameron, Chester, Lancaster, Lycoming, McKean, Northumberland, Potter, Snyder, Sullivan, Tioga, Union and York Counties in Pennsylvania and Steuben County in New York, as well as a loan production 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
6/30/202512/31/2024YesYes---

Industries
SIC Code Description
6022 State commercial banks
6029 Commercial banks, not elsewhere classified
6411 Insurance agents, brokers, and service
6211 Security brokers, dealers, and flotation companies
6282 Investment advice
6712 Offices of bank holding companies

Officers and Directors

Title
Name
Age		 Title
Date		 Start
Date
Independent Chairman of the Board Terry L.Lehman 67 5/1/2021 2/1/2016
President, Chief Executive Officer, Director J. B.Scovill 65 3/2/2015 2/26/2015
Executive Vice President, General Counsel, Corporate Secretary Glenn R.James 71 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
5 additional Subsidiary records available in full report.

Business Names
Business Name
Covenant Bank
Covenant Financial, Inc.
CZNC
4 additional Business Names available in full report.

General Information
Number of Employees: 386 (As of 12/31/2024)
Outstanding Shares: 17,787,943 (As of 10/1/2025)
Shareholders: 2,036
Stock Exchange: NASD
Federal Tax Id: 232451943
Email Address: craigl@cnbankpa.com


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Thursday, October 16, 2025