Citizens & Northern Corporation is a holding company. The Company's principal activity is community banking. It provides banking and related services to individual and corporate customers. Its lending products include commercial, mortgage, and consumer loans, as well as specialized instruments such as commercial letters of credit. Its deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, Individual Retirement Accounts and certificates of deposit. The Company provides wealth management services through its trust department, including administration of trusts and estates, retirement plans, and other employee benefit plans and investment management services. It offers personal and commercial insurance products through its subsidiary C&N Financial Services Corporation. C&N Financial Services Corporation also offers mutual funds, annuities, educational savings accounts and other investment products.