{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-23-012017","form_type":"8-K","ticker":"CZNC","cik":"0000810958","company_name":"CITIZENS & NORTHERN CORP","filed_at":"2023-07-20T23:59:59+00:00","discovered_at":"2026-05-14T18:03:36.703629+00:00","generated_at":"2026-06-13T05:59:01.178388+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":"CZNC Q2 EPS falls 19% YoY to $0.39; declares $0.28 dividend","bullets":["Q2 net income $6.0M ($0.39 diluted EPS) vs $7.5M ($0.48) in Q2 2022.","Dividend of $0.28 per share declared, payable Aug 11, 2023 to holders of record July 31.","Total loans grew $69.4M (15.9% annualized) from Q1; commercial loans up 8.5% YoY.","Nonperforming loans improved to 0.77% of total loans from 0.81% in Q1 and 1.46% year-end.","Uninsured deposits 29.9% of total; available liquidity 254% of uninsured & uncollateralized deposits."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-23-012017","json":"https://secwatch.observer/filing/0001558370-23-012017.json","markdown":"https://secwatch.observer/filing/0001558370-23-012017.md","text":"https://secwatch.observer/filing/0001558370-23-012017.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/810958/000155837023012017/0001558370-23-012017-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/810958/000155837023012017/cznc-20230720x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T05:59:01.178388+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":"63c522045892b8cf63005d720700ca4f9a2a0293","claim":"CITIZENS & NORTHERN CORP reported six months ended June 30, 2023 results: net income $12,296,000, or $0.80 diluted earnings per share, EPS $0.80 diluted earnings per share.","evidence_excerpt":"Net income for the six months ended June 30, 2023 of $12,296,000, or $0.80 diluted earnings per share.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/810958/000155837023012017/0001558370-23-012017-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"six months ended June 30, 2023"},{"label":"Net income","value":"$12,296,000, or $0.80 diluted earnings per share"},{"label":"EPS","value":"$0.80 diluted earnings per share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"ba939f8b05284329d5e7ab77b50451e429a8c531","claim":"CITIZENS & NORTHERN CORP reported three-month and six-month periods ended June 30, 2023 results: net income $6,043,000, or $0.39 diluted earnings per share, EPS $0.39 diluted earnings per share.","evidence_excerpt":"Second quarter 2023 net income of $6,043,000, or $0.39 diluted earnings per share. Net income for the six months ended June 30, 2023 of $12,296,000, or $0.80 diluted earnings per share.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/810958/000155837023012017/0001558370-23-012017-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"three-month and six-month periods ended June 30, 2023"},{"label":"Net income","value":"$6,043,000, or $0.39 diluted earnings per share"},{"label":"EPS","value":"$0.39 diluted earnings per 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"}