C&N Receives Five Star Rating

Citizens & Northern Bank has received a Five Star, Superior rating from BauerFinancial - the highest rating given. BauerFinancial, Inc. has been analyzing and reporting on the financial condition of the nation's banking industry since 1983. With Bauer's help, countless depositors successfully navigated their way through the savings and loan crisis of the eighties when others lost billions of dollars in uninsured deposits.

Here's how Bauer reaches its ratings conclusions:

Each bank and credit union is required to file a detailed financial report with federal regulators four times a year. BauerFinancial obtains the data in its raw form from the government. The quarterly data is subjected to a thorough analysis and is compared with historical data for consistency. Upon completion of the analysis, a star rating is assigned based on a scale of zero to five stars, with five stars being the strongest.

For more information on the star rating system, visit BauerFinancial