Citizens & Northern Corp. is the holding company for Citizens & Northern (C&N) Bank, Citizens & Northern Investment Corp., and Bucktail Life Insurance Company. Its primary business and largest subsidiary is C&N Bank, a community bank that serves individuals and commercial customers in north-central Pennsylvania and southern New York. The bank operates 26 branches and offers online and telebanking services. The firm's other subsidiaries are Citizens & Northern Investment Corp., which provides investment services, and Bucktail Life Insurance, a provider of credit, life, and property/casualty reinsurance. The bank holding company has assets of more than $1.2 billion.