SBA lender profile
Citizens & Northern Bank
Citizens & Northern Bank appears in the public SBA loan data with 440 funded 7(a) loans since FY2010, totaling $173.7M, an average of $395K per loan, and an estimated 5,623 jobs supported. Its SBA lending concentrates in Pennsylvania and the Manufacturing sector. Across its 7(a) loans, the charge-off rate is 5.5%.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 59
- Scale 79
- Activity 32
- Consistency 74
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is Citizens & Northern Bank the right lender for you?
Lenders fund what they know. Citizens & Northern Bank's SBA lending concentrates in Pennsylvania (384 loans) and Manufacturing (57 loans), at an average loan of $395K. If your business does not look like that, a different SBA lender is likely the better fit.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
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 | 384 | $133.0M |
| New Jersey | 28 | $23.3M |
| California | 2 | $10.0M |
| New York | 23 | $7.0M |
| Maryland | 2 | $300K |
| Delaware | 1 | $100K |
Metro areas where Citizens & Northern Bank funds
What Citizens & Northern Bank funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Manufacturing | 57 | $49.8M |
| Accommodation and Food Services | 53 | $24.7M |
| Construction | 48 | $16.7M |
| Professional and Technical Services | 23 | $12.9M |
| Retail Trade | 41 | $12.9M |
| Other Services | 25 | $9.3M |
Citizens & Northern Bank SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 50 | $19.2M |
| 2011 | 57 | $38.6M |
| 2012 | 65 | $41.7M |
| 2013 | 70 | $31.5M |
| 2014 | 43 | $13.9M |
| 2015 | 39 | $7.2M |
| 2016 | 22 | $4.3M |
| 2017 | 25 | $2.9M |
| 2018 | 24 | $4.0M |
| 2019 | 11 | $1.7M |
| 2020 | 4 | $303K |
| 2021 | 11 | $4.7M |
| 2022 | 12 | $1.8M |
| 2023 | 2 | $815K |
| 2024 | 1 | $106K |
| 2025 | 4 | $1.0M |
Related SBA lenders
Other lenders active in Pennsylvania or in Manufacturing.
Comparing lenders? See how to choose an SBA lender by track record.
Citizens & Northern Bank: frequently asked questions
Does Citizens & Northern Bank offer SBA loans?
Yes. Citizens & Northern Bank appears in the public SBA data with 440 funded SBA 7(a) loans totaling $173.7M.
How many SBA loans has Citizens & Northern Bank made?
Citizens & Northern Bank is associated with 440 SBA 7(a) loans totaling $173.7M in the public SBA data (as of 2026-03-31).
What is Citizens & Northern Bank's SBA charge-off rate?
About 5.5% of Citizens & Northern Bank's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does Citizens & Northern Bank do most of its SBA lending?
Citizens & Northern Bank's SBA lending in the data is most concentrated in Pennsylvania, and by industry in Manufacturing.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). Citizens & Northern Bank SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/citizens-northern-bank/
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