---
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"
generated_at: "2026-05-27T17:51:58.008339+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# C&N reports Q4 net income $8.2M ($0.53 EPS), up 92% YoY; declares $0.28 dividend

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- 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/810958/000155837025000359/0001558370-25-000359-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/810958/000155837025000359/cznc-20250123x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-25-000359
- JSON: https://secwatch.observer/filing/0001558370-25-000359.json
- Plain text: https://secwatch.observer/filing/0001558370-25-000359.txt

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