{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-21-013352","form_type":"8-K","ticker":"CZNC","cik":"0000810958","company_name":"CITIZENS & NORTHERN CORP","filed_at":"2021-10-21T23:59:59+00:00","discovered_at":"2026-05-14T18:04:15.659103+00:00","generated_at":"2026-06-28T19:25:38.841772+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"C&N Q3 2021 EPS $0.47, up from $0.18 YoY; declares $0.28 dividend","bullets":["GAAP diluted EPS $0.47 in Q3 2021, up from $0.44 QoQ and $0.18 YoY.","Non-GAAP adjusted EPS $0.47 vs $0.50 in Q3 2020 on exclusion of merger expenses.","Board declares $0.28/share cash dividend, payable Nov 12, 2021 to record Nov 1, 2021.","Net interest income $19.46M, up $0.78M QoQ; net interest margin 3.59% vs 3.52%.","Provision for loan losses $1.53M, includes $1.19M net charge-off on a commercial loan."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-21-013352","json":"https://secwatch.observer/filing/0001558370-21-013352.json","markdown":"https://secwatch.observer/filing/0001558370-21-013352.md","text":"https://secwatch.observer/filing/0001558370-21-013352.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/810958/000155837021013352/0001558370-21-013352-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/810958/000155837021013352/cznc-20211021x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-28T19:25:38.841772+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"}