Citizens & Northern Bank
Amy Ward has over 25 years of experience in the banking industry, currently serving as Assistant Vice President and Regional Community Office Manager at Citizens & Northern Bank since November 2015. Prior to this role, Amy held the position of Assistant Vice President and Commercial Loan Officer at Elmira Savings Bank for over seven years. Amy's career also includes significant experience as Vice President and Commercial Relationship Manager at US Bank for over a year and as Vice President and Commercial Loan Officer at Heritage Bank for 13 years.
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Citizens & Northern Bank
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Citizens & Northern Corporation is a holding company. The Company's principal activity is community banking. The Company, through its subsidiaries, is engaged in providing a range of banking and mortgage services to individual and corporate customers in North Central Pennsylvania and Southern New York State. It offers lending products, which include mortgage loans, commercial loans and consumer loans, as well as specialized instruments. Its 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. It provides trust and financial management services, including administration of trusts and estates, retirement plans, and other employee benefit plans, and investment management services. Its subsidiaries include Citizens & Northern Bank (C&N Bank or the Bank), Citizens & Northern Investment Corporation and Bucktail Life Insurance Company.