{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-22-005722","form_type":"8-K","ticker":"CZNC","cik":"0000810958","company_name":"CITIZENS & NORTHERN CORP","filed_at":"2022-04-21T23:59:59+00:00","discovered_at":"2026-05-14T18:04:03.784596+00:00","generated_at":"2026-06-26T05:57:41.149609+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Citizens & Northern Q1 net income $6.9M ($0.44/dil), down 21.5% YoY; dividend raised to $0.28","bullets":["Net income $6.9M ($0.44/dil) vs $8.8M ($0.55/dil) YoY; diluted EPS down 20%.","Net interest income $20.3M (+1.2% YoY) aided by $1.4M in purchased credit impaired loan recoveries.","Provision for loan losses $891k, up 244% from $259k YoY; allowance/total loans 0.93%.","Dividend $0.28/share (+3.7% YoY), payable May 13, 2022 to holders of record May 2.","Equity fell 7.9% YoY to $276.2M, driven by $20.5M AOCI loss from rising interest rates."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-22-005722","json":"https://secwatch.observer/filing/0001558370-22-005722.json","markdown":"https://secwatch.observer/filing/0001558370-22-005722.md","text":"https://secwatch.observer/filing/0001558370-22-005722.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/810958/000155837022005722/0001558370-22-005722-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/810958/000155837022005722/cznc-20220421x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-26T05:57:41.149609+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"}