{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-23-000630","form_type":"8-K","ticker":"CZNC","cik":"0000810958","company_name":"CITIZENS & NORTHERN CORP","filed_at":"2023-01-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:48.146405+00:00","generated_at":"2026-06-20T08:50:09.729663+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"C&N Q4 EPS $0.50, full-year EPS $1.71; credit quality weakens","bullets":["Q4 2022 net income $7.78M ($0.50 diluted), up from $4.46M ($0.29) in Q3 2022.","Full-year 2022 net income $26.6M ($1.71), down from $30.6M ($1.92) in 2021.","Net interest margin improved to 3.89% in Q4 from 3.69% in Q3; loans ex-PPP up 12.1% YoY.","Provision for loan losses $2.26M in Q4, includes $1.78M partial charge-off on healthcare real estate loan.","Nonperforming assets / total assets rose to 1.04% from 0.87% in Q3; regular dividend of $0.28 declared."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-23-000630","json":"https://secwatch.observer/filing/0001558370-23-000630.json","markdown":"https://secwatch.observer/filing/0001558370-23-000630.md","text":"https://secwatch.observer/filing/0001558370-23-000630.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/810958/000155837023000630/0001558370-23-000630-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/810958/000155837023000630/cznc-20230126x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T08:50:09.729663+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":[{"claim_id":"2e85cd44ab228c4c504c399eea5cf79e81dd5317","claim":"CITIZENS & NORTHERN CORP reported the three-month period ended December 31, 2022 results: net income $7,779,000, EPS $0.50 per diluted share.","evidence_excerpt":"Net income was $7,779,000, or $0.50 per diluted share, for the fourth quarter 2022 as compared to $4,455,000, or $0.29 per diluted share, in the third quarter 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/810958/000155837023000630/0001558370-23-000630-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three-month period ended December 31, 2022"},{"label":"Net income","value":"$7,779,000"},{"label":"EPS","value":"$0.50 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}