{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-23-016538","form_type":"8-K","ticker":"CZNC","cik":"0000810958","company_name":"CITIZENS & NORTHERN CORP","filed_at":"2023-10-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:32.062251+00:00","generated_at":"2026-06-09T21:23:14.429912+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"C&N Q3 net income $7.6M ($0.50 EPS) up from $0.29 YoY; net interest margin 3.35%","bullets":["Net income $7,591,000, diluted EPS $0.50 (vs $0.39 in Q2 2023 and $0.29 in Q3 2022).","Net interest margin 3.35%, down from 3.53% Q2 2023 and 3.69% Q3 2022.","Credit for credit losses of $1,225,000 (Q3) vs provision of $812,000 in Q2 2023 and $3,794,000 in Q3 2022.","Dividend of $0.28 per share declared, payable Nov 10, 2023 to holders of record Oct 30, 2023.","Nonperforming loans 0.92% of total loans; uninsured deposits 29.5% of bank deposits."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-23-016538","json":"https://secwatch.observer/filing/0001558370-23-016538.json","markdown":"https://secwatch.observer/filing/0001558370-23-016538.md","text":"https://secwatch.observer/filing/0001558370-23-016538.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/810958/000155837023016538/0001558370-23-016538-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/810958/000155837023016538/cznc-20231019x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T21:23:14.429912+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":"ae033e7215b1a6071aefd7852086ac15873fe611","claim":"CITIZENS & NORTHERN CORP reported the three-month and nine-month periods ended September 30, 2023 results: net income $7,591,000, or $0.50 diluted earnings per share, EPS $0.50 diluted earnings per share.","evidence_excerpt":"Third quarter 2023 net income was $7,591,000, or $0.50 diluted earnings per share, up from $0.39 per diluted share in the second quarter 2023 and $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/810958/000155837023016538/0001558370-23-016538-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three-month and nine-month periods ended September 30, 2023"},{"label":"Net income","value":"$7,591,000, or $0.50 diluted earnings per share"},{"label":"EPS","value":"$0.50 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"}