Side-by-side · Q2 2026 data
Citizens & Northern Bank vs Northwest Bank
Metric by metric
| Measure | Citizens & Northern Bank | Northwest Bank |
|---|---|---|
| TellerScore | 53 | 66 (stronger) |
| Capital cushion | 50 (stronger) | 48 |
| Loan quality | 43 | 77 (stronger) |
| Earnings | 58 | 73 (stronger) |
| Funding & liquidity | 53 | 55 (stronger) |
| Problem-loan coverage | 79 | 91 (stronger) |
| Peer percentile | 11th | 58th |
| Total assets | $3.1B | $17.2B |
| Deposits / shares | $2.6B | $14.4B |
| Capital ratio | 9.96% (stronger) | 9.84% |
| Problem loans | 1.70% | 0.69% (stronger) |
| Net charge-offs | 0.88% | 0.15% (stronger) |
| Return on assets | 0.96% | 1.32% (stronger) |
| Loans ÷ deposits | 88.9% (stronger) | 91.0% |
| Uninsured deposits | 31.4% | 27.4% (stronger) |
| Offices | 34 | 153 |
| CFPB complaints (3 yrs) | — | 158 |
| Complaints per $1B deposits | — | 11.0 |
| Mortgage denial rate (HMDA) | 12.5% | 20.6% |
Northwest Bank has the higher TellerScore (66 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Citizens & Northern Bank leads on 2 and Northwest Bank on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Williamsport, PA
- Lancaster, PA
- Jersey Shore, PA
- Mansfield, PA
- Muncy, PA
- Wellsboro, PA
- Coudersport, PA
- York, PA
- Emporium, PA
- Lewisburg, PA