C&N Corporate Profile

Citizens & Northern Corporation is a bank holding company with assets exceeding $2.4 billion and is headquartered in Wellsboro, PA. Banking and lending services are provided by its subsidiary, C&N, from 29 banking and loan production offices in Bradford, Cameron, Lycoming, Potter, Sullivan, Tioga, Bucks, York, Lancaster and Chester Counties in Pennsylvania and Steuben and Chemung Counties in New York.

Investment products are offered through C&N Investment Services and insurance products are offered through C&N Financial Services Corp. Wealth Management services are offered by C&N through C&N Wealth Management.

C&N Corporation stock trades on the NASDAQ Capital Market Securities under the symbol CZNC.

C&N: A Brief History

Founded in 1864 as The First National Bank of Wellsborough, C&N is a full-service financial institution with offices in the ten counties listed above. From the very beginning, C&N has been committed to the businesses and families in our local communities. C&N has been instrumental in helping those communities thrive by providing needed funding for growth and contributing to local charities which share C&N’s mission to enhance the lives of our neighbors in the communities we serve.

In December of 1964 the bank purchased the assets of three banks, including Farmers National Bank of Liberty, the Pattison National Bank of Elkland and the First National Bank of Knoxville. The First National Bank of Wellsborough then changed its name to Northern National Bank and Trust Company.

Citizens & Northern Bank was formed October 1, 1971, following the consolidation of Northern National Bank of Wellsboro and Citizens National Bank of Towanda. Citizens & Northern continued to expand, opening several new branches from 1971 through 2005. In 2005, Citizens & Northern Bank merged with Canisteo Valley Corp., allowing the bank to acquire two New York State offices in Canisteo and Hornell.

In April of 2019, Citizens & Northern Bank finalized a merger with Monument Bank in Bucks County, PA, which added two full-service branches and a loan production office. Following the merger, Citizens & Northern Bank rebranded its outward appearance to the current C&N you see today.

C&N continued to bolster its presence in Southeastern Pennsylvania by merging with Covenant Bank in August of 2020. The addition of Covenant Bank included a second branch in Doylestown and a branch in Paoli in Chester County.

Annual Meeting

The Annual Meeting of shareholders is held each April. All shareholders entitled to vote at the meeting will receive a proxy statement and card prior to the meeting. The proxy materials will contain the business to be considered and a notice of the time and place of the meeting.

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