---
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"
generated_at: "2026-06-27T17:01:41.502455+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# C&N reports record 2021 net income of $30.6M; declares $0.28 quarterly dividend

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-22-000332
- JSON: https://secwatch.observer/filing/0001558370-22-000332.json
- Plain text: https://secwatch.observer/filing/0001558370-22-000332.txt

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