C&N Q1 EPS sinks to $0.02 on $13.6M provision from $24M CRE loan charge-off

CITIZENS & NORTHERN CORP

2026-Q1 EPS reported $0.02 vs consensus $0.59 ▼ miss (-96.6%)

Diluted EPS of $0.02 vs $0.41 a year ago and $0.25 in Q4 2025; net income $273,000.
Provision for credit losses $13.6M, up from $1.3M in Q4, driven by $10.8M net charge-offs on a $24M CRE loan in Bucks County, PA.
Nonperforming assets 1.33% of total assets, up from 1.06% in Q4; ACL expanded to 1.42% of loans.
Net interest margin rose 14 bps to 3.98%; PPNR remained strong at $14.1M.
Total loans up $30.5M from year-end; deposits up $35.3M; bank remains well-capitalized.

item 2.02 item 9.01

Key facts

Extracted from this filing and checked against the source text.

Earnings Releases SEC 8-K Item 2.02 confidence 0.95

CITIZENS & NORTHERN CORP reported first quarter of 2026 results: net income $273,000, EPS $0.02 diluted earnings per share.

Period: first quarter of 2026
Net income: $273,000
EPS: $0.02 diluted earnings per share
Result: reported results

Exact text from the filing

Net income was $273,000, or $0.02 diluted earnings per share for the first quarter of 2026

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Source: SEC EDGAR

accession 0001104659-26-051471

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