---
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"
generated_at: "2026-05-31T20:00:38.453035+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# C&N Q2 net income $6.1M ($0.40 EPS); declares $0.28 dividend

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-24-009891
- JSON: https://secwatch.observer/filing/0001558370-24-009891.json
- Plain text: https://secwatch.observer/filing/0001558370-24-009891.txt

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