Citizens & Northern Corporation is a one-bank holding company whose principal subsidiary is Citizens & Northern Bank (Bank). The Company is primarily engaged in providing a full range of banking and mortgage services to individual and corporate customers in north central Pennsylvania. Lending products include mortgage loans, commercial loans, consumer loans and credit cards, as well as specialized instruments such as commercial letters of credit. Deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, individual retirement accounts (IRAs) and certificates of deposit (CDs). The Company also offers non-insured Repo Sweep accounts.