{"citation":"Citizens & Northern Bank SBA loans. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/sba-express-lenders/citizens-and-northern-bank/ Source: SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026 (https://data.sba.gov/dataset/7a-504-foia).","url":"https://www.sbaexpress.loans/sba-express-lenders/citizens-and-northern-bank/","title":"Citizens & Northern Bank SBA loans","data_as_of":"2026-06-30","checked":null,"sources":[{"label":"SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026","url":"https://data.sba.gov/dataset/7a-504-foia"},{"label":"13 CFR § 120.214(d)","url":"https://www.ecfr.gov/current/title-13/section-120.214"},{"label":"SOP 50 10 8.1, Sec. B, Ch. 2, Para. B.1 (p. 126)","url":"https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"},{"label":"SOP 50 10 8.1, Sec. B, Ch. 2, Para. C.2 (Para. C begins p. 127)","url":"https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"},{"label":"FDIC BankFind: institution directory (headquarters and website)","url":"https://banks.data.fdic.gov/bankfind-suite/bankfind"}],"data":{"lender":{"name":"Citizens & Northern Bank","legal_name":"Citizens & Northern Bank","type":"bank","headquarters_city":"Wellsboro","headquarters_state":"PA","fdic_certificate":7799,"ncua_charter":null,"regulator_status":"active","website":"https://www.cnbankpa.com","rank_by_loans":null,"lenders_ranked":807},"window":{"id":"all","from":"2019-10-01","to":"2026-06-30"},"loans":30,"dollars_approved":8491600,"median_loan":118000,"loan_25th_percentile":65000,"loan_75th_percentile":275000,"median_term_months":89,"median_starting_rate_pct":9.0,"median_starting_rate_window":{"id":"recent","from":"2023-10-01","to":"2026-06-30"},"median_spread_over_prime_points":1.5,"sba_express_share_pct":90.0,"line_of_credit_share_pct":23.3,"loans_by_size":{"$50,000 or less":5,"$50,001 to $150,000":12,"$150,001 to $350,000":8,"$350,001 to $500,000":null,"$500,001 to $1,000,000":null,"$1,000,001 to $2,000,000":0,"Over $2,000,000":null},"loans_by_business_age":{"In business more than 2 years":19,"In business 2 years or less":null,"Startup: the loan opens the business":null,"Change of ownership":5,"Not answered":0},"top_states":{"Pennsylvania":25},"top_industries":{},"loans_by_fiscal_year":{"2020":null,"2021":11,"2022":10,"2023":null,"2024":null,"2025":null,"2026":0},"charge_offs":{"loans_approved_in":"FY2020 to FY2022","loans":23,"charged_off_pct_of_loans":0.0,"charged_off_pct_of_dollars":0.0},"all_lenders":{"median_loan":200000,"median_spread_over_prime_points":2.6,"sba_express_share_pct":38.5,"line_of_credit_share_pct":27.2,"charged_off_pct_of_loans":3.6},"note":"Null means fewer than 5 loans. Loans SBA approved only: the file has no denials."}}