---
schema_version: "secwatch.filing_event.v1"
accession: "0000810958-22-000006"
form_type: "8-K"
ticker: "CZNC"
cik: "0000810958"
company_name: "CITIZENS & NORTHERN CORP"
filed_at: "2022-07-21T23:59:59+00:00"
generated_at: "2026-06-24T10:38:13.369416+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# C&N Q2 2022 EPS $0.48, up from $0.44 in Q1; dividend $0.28 declared

## Summary
- Net income $7.49M ($0.48 diluted EPS) vs $6.90M ($0.44) in Q1 2022 and $7.06M ($0.44) in Q2 2021.
- Average loans excl. PPP up 13.2% annualized from Q1; total loans ex. PPP up 8.2% from Q1.
- Nonperforming assets ratio improved to 0.62% from 0.81% in Q1 2022 and 1.12% in Q2 2021.
- Quarterly cash dividend of $0.28/share declared, payable Aug 12, 2022 to holders of record Aug 1.
- Repurchased 235,505 shares at avg $24.21 in Q2; $14.8M nonperforming assets.

## SEC filing metadata
- accession: 0000810958-22-000006
- form_type: 8-K
- ticker: CZNC
- cik: 0000810958
- company_name: CITIZENS & NORTHERN CORP
- filed_at: 2022-07-21T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/810958/000081095822000006/0000810958-22-000006-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/810958/000081095822000006/cznc-20220721x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000810958-22-000006
- JSON: https://secwatch.observer/filing/0000810958-22-000006.json
- Plain text: https://secwatch.observer/filing/0000810958-22-000006.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.