---
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"
generated_at: "2026-06-30T03:31:21.412716+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# CZNC Q2 2021 EPS $0.44, down from Q1 $0.55; declares $0.28 dividend

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-21-009087
- JSON: https://secwatch.observer/filing/0001558370-21-009087.json
- Plain text: https://secwatch.observer/filing/0001558370-21-009087.txt

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