---
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"
generated_at: "2026-06-28T19:25:38.841772+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# C&N Q3 2021 EPS $0.47, up from $0.18 YoY; declares $0.28 dividend

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-21-013352
- JSON: https://secwatch.observer/filing/0001558370-21-013352.json
- Plain text: https://secwatch.observer/filing/0001558370-21-013352.txt

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