founded in 1864 as the first national bank of wellsborough, c&n is a full-service financial institution with branch offices in eight counties across northern pennsylvania and southern new york. for over 150 years, 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. citizens & northern corporation is a bank holding company with assets exceeding $1.2 billion and is headquartered in wellsboro, pa. banking services are provided by its subsidiary, citizens & northern bank, from 26 banking offices in bradford, cameron, lycoming, mckean, potter, sullivan and tioga counties in pennsylvania and steuben county in new york. investment products are offered through c&n investment services and insurance products are offered through c&n financ