Side-by-side · Q2 2026 data
Citizens & Northern Bank vs Nextier Bank, National Association
Bank
Nextier Bank, National Association
Kittanning, Pennsylvania · $1 billion – $10 billion
Metric by metric
| Measure | Citizens & Northern Bank | Nextier Bank, National Association |
|---|---|---|
| TellerScore | 53 | 54 (stronger) |
| Capital cushion | 50 (stronger) | 46 |
| Loan quality | 43 | 50 (stronger) |
| Earnings | 58 | 75 (stronger) |
| Funding & liquidity | 53 (stronger) | 34 |
| Problem-loan coverage | 79 | 80 (stronger) |
| Peer percentile | 11th | 12th |
| Total assets | $3.1B | $2.9B |
| Deposits / shares | $2.6B | $2.5B |
| Capital ratio | 9.96% (stronger) | 9.64% |
| Problem loans | 1.70% | 1.49% (stronger) |
| Net charge-offs | 0.88% | -0.00% (stronger) |
| Return on assets | 0.96% | 1.38% (stronger) |
| Loans ÷ deposits | 88.9% | 85.9% (stronger) |
| Uninsured deposits | 31.4% (stronger) | 50.9% |
| Offices | 34 | 32 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | 11.7% |
Nextier Bank, National Association has the higher TellerScore (54 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Citizens & Northern Bank leads on 2 and Nextier Bank, National Association on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.