{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-22-000332","form_type":"8-K","ticker":"CZNC","cik":"0000810958","company_name":"CITIZENS & NORTHERN CORP","filed_at":"2022-01-20T23:59:59+00:00","discovered_at":"2026-05-14T18:04:09.854017+00:00","generated_at":"2026-06-27T17:01:41.502455+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"C&N reports record 2021 net income of $30.6M; declares $0.28 quarterly dividend","bullets":["Full-year diluted EPS $1.92, up from $1.30 in 2020 (GAAP); adjusted non-GAAP EPS $1.92 vs $1.80.","Q4 net income $7.3M ($0.46/diluted share) vs $6.8M ($0.43) in Q4 2020.","Net interest income for 2021 $77.9M, up $10.4M YoY; net interest margin 3.69%.","Nonperforming assets to total assets improved to 0.94% at Dec 2021 from 1.10% a year earlier.","Loan loss provision $3.66M in 2021 vs $3.91M in 2020; commercial loans ex-PPP grew $76M."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-22-000332","json":"https://secwatch.observer/filing/0001558370-22-000332.json","markdown":"https://secwatch.observer/filing/0001558370-22-000332.md","text":"https://secwatch.observer/filing/0001558370-22-000332.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/810958/000155837022000332/0001558370-22-000332-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/810958/000155837022000332/cznc-20220120x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-27T17:01:41.502455+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"}