{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-23-006295","form_type":"8-K","ticker":"CZNC","cik":"0000810958","company_name":"CITIZENS & NORTHERN CORP","filed_at":"2023-04-20T23:59:59+00:00","discovered_at":"2026-05-14T18:03:42.322649+00:00","generated_at":"2026-06-16T23:07:00.095469+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"C&N Q1 EPS $0.40, down 9% YoY; deposits fall $81.6M; NIM 3.71%","bullets":["Net income $6.25M ($0.40 diluted EPS) vs $6.90M ($0.44) in Q1 2022, down 9.3%.","Net interest margin 3.71%, down from 3.86% a year ago; net interest income $20.78M, up $449K YoY.","Total deposits fell $81.6M (-4.1%) from Dec 2022; uninsured deposits 31.7% of total.","Nonperforming loans dropped to $14.1M from $25.3M; credit for losses of $352K vs provision $2.26M in Q4.","Dividend $0.28/share declared, payable May 12; CECL adoption cut retained earnings $1.65M."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-23-006295","json":"https://secwatch.observer/filing/0001558370-23-006295.json","markdown":"https://secwatch.observer/filing/0001558370-23-006295.md","text":"https://secwatch.observer/filing/0001558370-23-006295.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/810958/000155837023006295/0001558370-23-006295-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/810958/000155837023006295/cznc-20230420x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-16T23:07:00.095469+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":"0689509af4dc7b3a495e740c9871c2da4ccc30f4","claim":"CITIZENS & NORTHERN CORP reported the three-month period ended March 31, 2023 results: net income $6,253,000, EPS $0.40 per diluted share.","evidence_excerpt":"Net income was $6,253,000, or $0.40 per diluted share, for the first quarter 2023","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/810958/000155837023006295/0001558370-23-006295-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three-month period ended March 31, 2023"},{"label":"Net income","value":"$6,253,000"},{"label":"EPS","value":"$0.40 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"}