{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-21-009087","form_type":"8-K","ticker":"CZNC","cik":"0000810958","company_name":"CITIZENS & NORTHERN CORP","filed_at":"2021-07-22T23:59:59+00:00","discovered_at":"2026-05-14T18:04:20.817529+00:00","generated_at":"2026-06-30T03:31:21.412716+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"CZNC Q2 2021 EPS $0.44, down from Q1 $0.55; declares $0.28 dividend","bullets":["Net income $7.06M ($0.44/sh) in Q2 2021, down from $8.79M ($0.55) in Q1; up from $5.44M ($0.39) in Q2 2020.","Dividend of $0.28 per share declared, payable Aug 13, 2021 to holders of record Aug 2, 2021.","Net interest margin fell to 3.52% from 4.00% in Q1, with PPP loan fee income down $749K.","Provision for loan losses $744K, up from $259K in Q1 and a $176K credit in Q2 2020.","Total assets $2.34B, up 34% YoY; nonperforming assets ratio 1.12% at June 30, 2021."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-21-009087","json":"https://secwatch.observer/filing/0001558370-21-009087.json","markdown":"https://secwatch.observer/filing/0001558370-21-009087.md","text":"https://secwatch.observer/filing/0001558370-21-009087.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/810958/000155837021009087/0001558370-21-009087-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/810958/000155837021009087/cznc-20210722x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-30T03:31:21.412716+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"}