{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-24-013367","form_type":"8-K","ticker":"CZNC","cik":"0000810958","company_name":"CITIZENS & NORTHERN CORP","filed_at":"2024-10-17T23:59:59+00:00","discovered_at":"2026-05-14T18:03:11.068354+00:00","generated_at":"2026-05-30T13:30:33.885423+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"C&N Q3 2024 EPS $0.41, down 18% YoY; nonperforming loans rise to 1.29%","bullets":["Net income $6.365M ($0.41 diluted EPS) vs $7.591M ($0.50) in Q3 2023, down 16.2%.","Net interest income $20.156M, up $493K QoQ; net interest margin 3.29% vs 3.35% YoY.","Provision for credit losses $1.207M in Q3 2024 vs a credit of $1.225M in Q3 2023.","Nonperforming loans $24.5M, 1.29% of total loans, up from 1.04% at June 30, 2024.","Quarterly dividend maintained at $0.28/share; payable Nov 8, 2024 to record Oct 28."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-24-013367","json":"https://secwatch.observer/filing/0001558370-24-013367.json","markdown":"https://secwatch.observer/filing/0001558370-24-013367.md","text":"https://secwatch.observer/filing/0001558370-24-013367.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/810958/000155837024013367/0001558370-24-013367-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/810958/000155837024013367/cznc-20241017x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T13:30:33.885423+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"}