{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-25-101823","form_type":"8-K","ticker":"CZNC","cik":"0000810958","company_name":"CITIZENS & NORTHERN CORP","filed_at":"2025-10-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:42.231913+00:00","generated_at":"2026-05-17T02:38:07.863839+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"C&N Q3 2025 EPS $0.42; adj. EPS $0.47; dividend $0.28; merger closed Oct 1","bullets":["GAAP net income $6.55M ($0.42 diluted EPS), up from $6.12M in Q2 2025 and $6.37M in Q3 2024.","Adjusted EPS (non-GAAP, excl. merger costs) $0.47; adjusted nine-month 2025 EPS $1.28.","Net interest margin expanded to 3.62% in Q3 2025 vs 3.52% in Q2 2025 and 3.29% in Q3 2024.","Completed merger with Susquehanna Community Financial on Oct 1, 2025; exchange ratio 0.80 CZNC shares per Susquehanna share.","Board declared $0.28/share quarterly dividend, payable Nov 14, 2025 to holders of record Nov 3, 2025."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-25-101823","json":"https://secwatch.observer/filing/0001104659-25-101823.json","markdown":"https://secwatch.observer/filing/0001104659-25-101823.md","text":"https://secwatch.observer/filing/0001104659-25-101823.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/810958/000110465925101823/0001104659-25-101823-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/810958/000110465925101823/cznc-20251023x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:38:07.863839+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"}