{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-24-005732","form_type":"8-K","ticker":"CZNC","cik":"0000810958","company_name":"CITIZENS & NORTHERN CORP","filed_at":"2024-04-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:22.034642+00:00","generated_at":"2026-06-03T08:53:05.484076+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"C&N Q1 net income down 15% YoY to $0.35 EPS; NIM narrows, credit costs rise","bullets":["Net income $5.306M ($0.35 diluted) vs $6.253M ($0.40) in Q1 2023.","Net interest margin contracted to 3.29% from 3.71% a year ago.","Provision for credit losses turned to $954K expense vs a $352K credit in Q1 2023.","Nonperforming loans rose to 1.03% of total loans from 0.81% YoY.","Quarterly dividend held at $0.28/share, payable May 17, 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-24-005732","json":"https://secwatch.observer/filing/0001558370-24-005732.json","markdown":"https://secwatch.observer/filing/0001558370-24-005732.md","text":"https://secwatch.observer/filing/0001558370-24-005732.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/810958/000155837024005732/0001558370-24-005732-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/810958/000155837024005732/cznc-20240425x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T08:53:05.484076+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":"5c184973ce76286fe4537e7a32de417c0b19ab42","claim":"CITIZENS & NORTHERN CORP reported the three-month period ended March 31, 2024 results: net income $5,306,000, or $0.35 diluted earnings per share, EPS $0.35 per diluted share.","evidence_excerpt":"Citizens & Northern Corporation (the “Company”) announced unaudited, consolidated financial results for the three months ended March 31, 2024.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/810958/000155837024005732/0001558370-24-005732-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three-month period ended March 31, 2024"},{"label":"Net income","value":"$5,306,000, or $0.35 diluted earnings per share"},{"label":"EPS","value":"$0.35 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"}