---
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"
generated_at: "2026-06-09T21:23:14.429912+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# C&N Q3 net income $7.6M ($0.50 EPS) up from $0.29 YoY; net interest margin 3.35%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-23-016538
- JSON: https://secwatch.observer/filing/0001558370-23-016538.json
- Plain text: https://secwatch.observer/filing/0001558370-23-016538.txt

## Key facts
- Earnings Releases
  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.
  - Period: the three-month and nine-month periods ended September 30, 2023
  - Net income: $7,591,000, or $0.50 diluted earnings per share
  - EPS: $0.50 diluted earnings per share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/810958/000155837023016538/0001558370-23-016538-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.