{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-25-000359","form_type":"8-K","ticker":"CZNC","cik":"0000810958","company_name":"CITIZENS & NORTHERN CORP","filed_at":"2025-01-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.403934+00:00","generated_at":"2026-05-27T17:51:58.008339+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"C&N reports Q4 net income $8.2M ($0.53 EPS), up 92% YoY; declares $0.28 dividend","bullets":["Net income Q4 2024 $8.174M ($0.53 diluted EPS) vs $4.261M ($0.28) in Q4 2023, up 92% YoY.","Net interest margin 3.30% for Q4, flat with Q3 and down 1bp YoY; net interest income $20.473M.","Credit for credit losses of $531K in Q4 vs provision of $1.207M in Q3; ACL 1.06% of loans.","Nonperforming loans $24.0M (1.26% of loans) at Dec 31, up from $18.4M (0.99%) a year ago.","Declared $0.28 quarterly dividend, payable Feb 14, 2025; no shares repurchased in Q4."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-25-000359","json":"https://secwatch.observer/filing/0001558370-25-000359.json","markdown":"https://secwatch.observer/filing/0001558370-25-000359.md","text":"https://secwatch.observer/filing/0001558370-25-000359.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/810958/000155837025000359/0001558370-25-000359-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/810958/000155837025000359/cznc-20250123x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T17:51:58.008339+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"}