---
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"
generated_at: "2026-05-30T13:30:33.885423+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# C&N Q3 2024 EPS $0.41, down 18% YoY; nonperforming loans rise to 1.29%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-24-013367
- JSON: https://secwatch.observer/filing/0001558370-24-013367.json
- Plain text: https://secwatch.observer/filing/0001558370-24-013367.txt

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