{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-24-009891","form_type":"8-K","ticker":"CZNC","cik":"0000810958","company_name":"CITIZENS & NORTHERN CORP","filed_at":"2024-07-18T23:59:59+00:00","discovered_at":"2026-05-14T18:03:15.947065+00:00","generated_at":"2026-05-31T20:00:38.453035+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"C&N Q2 net income $6.1M ($0.40 EPS); declares $0.28 dividend","bullets":["Net income $6,113k ($0.40 diluted EPS) in Q2 2024, up from $5,306k ($0.35) in Q1 2024 and $6,043k ($0.39) in Q2 2023.","Net interest margin 3.31% in Q2 2024, down from 3.53% in Q2 2023; spread decreased 0.37%.","Total deposits increased $63.4M (3.2%) from Q1 2024; excluding brokered deposits up $73.3M (3.8%).","Regular quarterly dividend of $0.28/share declared, payable Aug 9, 2024 to holders of record Jul 29, 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-24-009891","json":"https://secwatch.observer/filing/0001558370-24-009891.json","markdown":"https://secwatch.observer/filing/0001558370-24-009891.md","text":"https://secwatch.observer/filing/0001558370-24-009891.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/810958/000155837024009891/0001558370-24-009891-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/810958/000155837024009891/cznc-20240718x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T20:00:38.453035+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}