Chief Commercial Lending Officer Retires; Internal Successor Appointed

summarizeSummary

Citizens & Northern Corp announced the retirement of its Chief Commercial Lending Officer, Kelley Cwiklinski, with Gregory Adamson promoted internally to lead the commercial lending division.

check_boxKey Events

• Chief Commercial Lending Officer Retirement

  Kelley Cwiklinski, Executive Vice President and Chief Commercial Lending Officer, will retire effective July 10, 2026, after 41 years of service.

• Internal Succession Plan

  Gregory Adamson, Southeast Regional Commercial Lending Executive, will be promoted to Senior Vice President, Director of Commercial Lending, effective upon Ms. Cwiklinski's retirement.

• Advisory Role for Outgoing Officer

  Ms. Cwiklinski will remain connected to C&N in an advisory capacity to support the transition.

auto_awesomeAnalysis

Kelley Cwiklinski, the Chief Commercial Lending Officer, is retiring after 41 years of service, effective July 10, 2026. This leadership change in the commercial lending division is notable, especially following the company's recent Q1 report which highlighted a significant charge-off on a commercial real estate loan. While the retirement is planned and Ms. Cwiklinski will serve in an advisory capacity, the transition of a key lending executive during a period of credit quality concerns warrants attention. Gregory Adamson, an experienced internal candidate, will assume the role, suggesting a managed succession.