{"schema_version":"secwatch.filing_event.v1","accession":"0000810958-22-000011","form_type":"8-K","ticker":"CZNC","cik":"0000810958","company_name":"CITIZENS & NORTHERN CORP","filed_at":"2022-11-08T23:59:59+00:00","discovered_at":"2026-05-14T18:03:53.626529+00:00","generated_at":"2026-06-22T04:47:26.042039+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Citizens & Northern Q3 2022 net income down 40% YoY; EPS $0.29 vs $0.47","bullets":["Q3 2022 net income $4.455M vs $7.399M YoY (-39.8%); diluted EPS $0.29 vs $0.47.","Net interest income $20.9M (+7.3% YoY); provision for loan losses $3.8M (+148%).","Nine-month 2022 EPS $1.21 (-17% YoY); ROAA 1.06%, ROATCE 11.55%.","Total assets $2.4B, deposits $2.04B, TCE/TA 7.82%; dividend unchanged at $0.28/qtr.","Market cap $372M; stock price $23.98 (4.67% div yield); presented at Piper Sandler conf."],"urls":{"canonical":"https://secwatch.observer/filing/0000810958-22-000011","json":"https://secwatch.observer/filing/0000810958-22-000011.json","markdown":"https://secwatch.observer/filing/0000810958-22-000011.md","text":"https://secwatch.observer/filing/0000810958-22-000011.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/810958/000081095822000011/0000810958-22-000011-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/810958/000081095822000011/cznc-20221108x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-22T04:47:26.042039+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}