SBA lender profile
Citizens & Northern Bank
Citizens & Northern Bank appears in the public SBA loan data with 34 funded 7(a) loans totaling $8.7M, an average of $257K per loan, and an estimated 507 jobs supported. Its SBA lending concentrates in Pennsylvania and the Manufacturing sector. Across all of its loans in the data, its charge-off rate is 0.0%.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, as of 2026-03-31
Funded loans
34
Total volume
$8.7M
Average loan size
$257K
Charge-off rate
0.0%
Share of funded loans charged off
Jobs supported (reported)
507
Programs
7(a)
Bank profile
via FDIC- Total assets
- $3.2B
- Headquarters
- Wellsboro, PA
- FDIC cert
- #7799
- Status
- Active
Where Citizens & Northern Bank lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| Pennsylvania | 29 | $7.9M |
| New Jersey | 2 | $500K |
| New York | 3 | $303K |
What Citizens & Northern Bank funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Manufacturing | 4 | $3.8M |
| Accommodation and Food Services | 7 | $1.5M |
| Retail Trade | 4 | $880K |
| Other Services | 3 | $800K |
| Construction | 4 | $556K |
| Health Care and Social Assistance | 2 | $384K |
Citizens & Northern Bank SBA lending by year
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2020 | 4 | $303K |
| 2021 | 11 | $4.7M |
| 2022 | 12 | $1.8M |
| 2023 | 2 | $815K |
| 2024 | 1 | $106K |
| 2025 | 4 | $1.0M |
Sources and disclaimer. All figures are computed from
the U.S. Small Business Administration's public FOIA 7(a) and 504 loan data (as of 2026-03-31),
as described in our methodology.
The charge-off rate is the share of Citizens & Northern Bank's funded loans marked charged off across all of its
loans in the data; it is not a lifetime default rate. SBA Loan Index is not affiliated with the
SBA and is not a lender, broker, or financial advisor. This is general information, not advice.
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