Side-by-side · Q2 2026 data
First Citizens Community Bank vs Citizens & Northern Bank
Metric by metric
| Measure | First Citizens Community Bank | Citizens & Northern Bank |
|---|---|---|
| TellerScore | 52 | 53 (stronger) |
| Capital cushion | 46 | 50 (stronger) |
| Loan quality | 43 | 43 |
| Earnings | 77 (stronger) | 58 |
| Funding & liquidity | 26 | 53 (stronger) |
| Problem-loan coverage | 77 | 79 (stronger) |
| Peer percentile | 9th | 11th |
| Total assets | $3.2B | $3.1B |
| Deposits / shares | $2.4B | $2.6B |
| Capital ratio | 9.64% | 9.96% (stronger) |
| Problem loans | 1.70% | 1.70% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.88% |
| Return on assets | 1.43% (stronger) | 0.96% |
| Loans ÷ deposits | 99.1% | 88.9% (stronger) |
| Uninsured deposits | 46.4% | 31.4% (stronger) |
| Offices | 43 | 34 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.8% | 12.5% |
Citizens & Northern Bank has the higher TellerScore (53 vs 52). On the 7 directional measures above (where higher or lower is clearly better), First Citizens Community Bank leads on 2 and Citizens & Northern Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Williamsport, PA
- Mansfield, PA
- Sayre, PA
- Towanda, PA
- Troy, PA
- Wellsboro, PA
- Doylestown, PA