Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides a range of banking and mortgage services to individual and corporate customers in North Central Pennsylvania and Southern New York. The company offers deposit products, including various types of checking accounts, passbook and statement savings accounts, money market accounts, interest checking accounts, individual retirement accounts, and certificates of deposits. It also provides lending products comprising mortgage loans, commercial loans, and consumer loans, as well as commercial letters-of-credit. In addition, the company offers trust and financial management services consisting of administration of trusts and estates, retirement plans, and other employee benefit plans; investment management services; and a range of personal and commercial insurance products, as well as mutual funds, annuities, educational savings accounts, and other investment products through registered agents. Further, it reinsures credit and mortgage, life and accident, and health insurance products. The company operates 30 banking offices in Bradford, Cameron, Lycoming, McKean, Potter, Sullivan, Tioga, and Bucks counties in Pennsylvania, as well as Steuben and Chemung County in New York; and a loan production office in Elmira, New York. Citizens & Northern Corporation was founded in 1864 and is based in Wellsboro, Pennsylvania.