Citizens & Northern Investor Relations Material

Citizens & Northern Corporation is a bank holding company. Through its subsidiary, Citizens & Northern Bank, the company provides a range of banking services to individual and corporate clients across North Central Pennsylvania and Southern New York. The bank’s offerings include traditional deposit products such as checking and savings accounts, money market accounts, and certificates of deposit. It also offers various lending solutions, including commercial, mortgage, and consumer loans. Additionally, the company provides wealth management services, insurance products, and investment management options. The company is headquartered in Wellsboro, Pennsylvania and its shares are listed on the NASDAQ.