PA lenders / Community Bank
Citizens & Northern Bank
Community Bank · Wellsboro, PA · Citizens&Northern Corp
- Total assets
- $3.2B
- CRE loan book
- $1.3B
- QoQ CRE growth
- 1.4%
- Q1 2026
Recorded CRE activity — pa-delaware County
2 commercial deeds of trust recorded recently, verified from county records.
- Oct 7, 2026 · unknownundisclosed
- Sep 11, 2026 · unknownundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.17% as of Q1 2026 — TX bank median 4.87% (1.30pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.17% | 6.12% |
| Q4 2025 | 6.81% | 6.81% |
| Q3 2025 | 6.17% | 6.14% |
| Q2 2025 | 6.00% | 6.00% |
| Q1 2025 | 5.93% | 5.92% |
| Q4 2024 | 6.08% | 6.07% |
| Q3 2024 | 6.07% | 6.07% |
| Q2 2024 | 5.98% | 5.97% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $1.3B | $166.4M | $172.6M | 276% | $34.4M |
| Q4 2025 | $1.2B | $163.4M | $162.8M | 273% | $25.9M |
| Q3 2025 | $1.0B | $134.7M | $110.2M | 250% | $20.3M |
| Q2 2025 | $1.0B | $130.6M | $109.9M | 249% | $20.1M |
| Q1 2025 | $986.2M | $128.9M | $103.4M | 245% | $17.6M |
| Q4 2024 | $986.3M | $125.8M | $106.4M | 246% | $17.6M |
| Q3 2024 | $995.0M | $141.6M | $88.4M | 251% | $18.2M |
| Q2 2024 | $1.0B | $152.9M | $68.5M | 257% | $13.4M |
Similar lenders
Other community banks we track with a comparable CRE book size.
Last updated Oct 7, 2026 · Sources: FFIEC CDR, county records, first-party conversations.