The Northumberland National Bank

What The Northumberland National Bank does

The Northumberland National Bank is a privately held community bank founded in 1903 and headquartered in Northumberland, Pennsylvania, operating under the Central Penn Bank & Trust and Mifflinburg Bank & Trust brands. It provides personal, agricultural, small business, and wealth management banking services to consumers and businesses across central Pennsylvania communities. Core product lines include checking, savings, CDs, HSA accounts, home loans, personal and commercial loans, lines of credit, credit cards, and trust and investment services delivered through the Central Penn Wealth Management division and a partnership with Cetera Investment.

The bank operates a relationship-driven go-to-market model combining a physical branch network with online and mobile banking channels, supported by direct outreach from loan officers and relationship managers. Revenue is generated through interest income on consumer and agricultural loans, monthly deposit account fees (including the Benefits Plus add-on subscription), certificate of deposit and IRA funding spreads, and professional services fees from wealth management. Pricing on loan products is quote-based, while deposit products follow tiered rate schedules published on the bank's Rates page. Technology integration relies on third-party platforms such as DMI Mortgage for mortgage servicing and Deluxe Corporation for check ordering, with no proprietary AI or advanced analytics capabilities disclosed.

Customer segments span individual consumers, farmers and small business owners, and high-net-worth wealth management clients. The bank's competitive positioning centers on local decision-making, personal relationships, and community accessibility rather than scale or technology differentiation. The operating geography is confined to Pennsylvania with no global footprint claims, and the company reports 51-100 employees with no recent funding, M&A, or leadership changes documented in the available source data.

Name

The Northumberland National Bank

Legal name

The Northumberland National Bank

Website

https://norrybank.com

Company type

Private

Founded year

1903

Operating status

Operating

Headcount range

51–100 employees

Short description

The Northumberland National Bank is a privately held Pennsylvania community bank founded in 1903, operating as Central Penn Bank & Trust. It delivers personal, agricultural, small business, and wealth management banking services across central Pennsylvania through branch and digital channels.

Ownership category

akta.pro rank

Headquarters

HQ city

Northumberland

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Interest Income: Revenue generated from interest on loans including home equity loans, personal loans, lines of credit, and business/agricultural loans
2. Deposit Account Fees: Monthly service fees on checking accounts, with optional Benefits Plus program providing identity theft protection and discounts for additional fee revenue
3. Investment and Wealth Management Services: Trust services and wealth management offerings through Central Penn Wealth Management and partnership with Cetera Investment
4. Certificate of Deposit and IRA Products: Interest-bearing deposit products with competitive rates generating stable funding

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

The Northumberland National Bank, operating as Central Penn Bank & Trust, is a community bank that provides personal banking (checking, savings, CDs, HSA, home loans, personal loans and lines of credit, and credit cards), agricultural and business banking (checking, savings, CDs, services, loans, lines of credit, and credit cards), and wealth management (Central Penn Investment Services and Central Penn Wealth Management trust services) to consumers, agricultural businesses, and commercial clients in Pennsylvania.

Differentiator

Problem solved

Functional benefit

Brands

• Benefits Plus: Identity theft protection, travel discounts, retail and restaurant discounts included with free checking accounts
• Central Penn Investment
• Central Penn Wealth Management

Products and services

• Personal Checking Personal checking account products offered to individual consumers for everyday transactional banking needs.
• Personal Savings & CDs Savings accounts and certificates of deposit for individual consumers seeking to earn interest on deposited funds.
• Health Savings Account (HSA) Tax-advantaged health savings accounts for individual consumers to set aside funds for qualified medical expenses.
• Home Loans Mortgage lending products for individual consumers financing residential property purchases or refinancing.
• Personal Loans & Lines of Credit Unsecured and revolving credit products for individual consumers for personal borrowing needs.
• Personal Credit Cards Consumer credit card products for individual account holders for everyday purchases and revolving credit.
• Business / Agricultural Checking Business and agricultural checking account products for commercial clients and farm operators handling operational cash flow.
• Business / Agricultural Savings & CDs Business and agricultural savings accounts and certificates of deposit for commercial clients and farm operators.
• Business / Agricultural Services Treasury and operational banking services tailored to commercial clients and agricultural operations.
• Business / Agricultural Loans & Lines of Credit Commercial and agricultural lending products including term loans and revolving lines of credit for operating and capital needs.
• Business / Agricultural Credit Cards Commercial and agricultural credit card products for business operating expenses and purchasing.
• Central Penn Investment Services Investment and brokerage services offered to bank customers through a partnership with Cetera Investment Services.
• Central Penn Wealth Management (Trust Services) Trust and wealth management services for individuals and families needing fiduciary investment management, estate, and trust administration.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• Cetera InvestmentminorStrategic or Co-development PartnerInvestment services partner providing Cetera Investment Login access for Central Penn Bank & Trust wealth management clients through Central Penn Investment platform

Recent moves6 records

Expansion highlights3 records

Direct peers

• F&M Trust (Franklin & Marshall Bank): South-central PA community bank offering consumer and commercial banking plus wealth management—similar community banking model with overlap in agricultural and small business lending.
• Orrstown Financial Services / Orrstown Bank: Pennsylvania-based community bank with personal, business, and wealth management services; similar operating model though somewhat larger scale and broader footprint.
• Muncy Bank & Trust: Pennsylvania community bank of comparable size serving Lycoming County with personal, business, and agricultural banking plus wealth services—directly analogous franchise in the same state and rural Pennsylvania footprint.
• First Columbia Bank & Trust: Small community bank headquartered in Columbia County, PA, offering personal and business banking with a relationship-based model similar to Northumberland National Bank's central Pennsylvania footprint.
• Woodlands Bank: Independent Pennsylvania community bank serving Lycoming and surrounding counties with retail and small-business banking—comparable rural PA footprint and relationship-driven model.
• PS Bank (Penna Security Bank & Trust): Pennsylvania community bank providing personal, business, and wealth management services across north-central PA, comparable in scale, product mix, and regional orientation.

Broad incumbents

• Fulton Bank / Fulton Financial: Largest Pennsylvania-based super-community bank, offering retail, commercial, and wealth services across PA and surrounding states. Overlapping services and geography make it a key regional incumbent competitor.
• S&T Bank: Pennsylvania-headquartered regional bank offering full-service community banking, commercial lending, and wealth management—broader portfolio and footprint than the subject, with overlapping capability sets.
• PNC Financial Services: One of the largest U.S. retail banks and headquartered in Pittsburgh, PA; competes for consumer and small-business deposits and loans across Pennsylvania including the subject's central PA footprint.
• FNB Corporation / First National Bank of Pennsylvania: Major Pennsylvania regional bank with personal, business, and wealth offerings; broader geographic reach and greater capital base create a credible scale competitor in the subject's footprint.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/centralpennbankandtrust
• LinkedInlinkedin.com/company/centralpennbank
• Instagraminstagram.com/centralpennbank

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about The Northumberland National Bank