C&N Q1 net income $6.3M ($0.41 EPS), up 18.6% YoY; net interest margin improves to 3.38%

CITIZENS & NORTHERN CORP

2025-Q1 EPS reported $0.41

Net income of $6,293,000 ($0.41 diluted EPS) up 18.6% from Q1 2024 ($5.3M, $0.35) but down from Q4 2024 ($8.2M, $0.53).
Net interest margin improved to 3.38% from 3.30% in Q4 2024 and 3.29% in Q1 2024.
Dividend declared $0.28 per share, payable May 15, 2025 to holders of record May 4, 2025, unchanged.
Nonperforming loans increased to $24.1M (1.27% of total loans) vs $24.0M at Dec 31, 2024 and $19.3M a year ago.
Provision for credit losses of $236,000 vs a credit of $531,000 in Q4 2024 and provision of $954,000 in Q1 2024.

This headline and bullets were generated automatically by deepseek-v4-flash:cloud@v2 from the public filing. Read the source on SEC.gov before relying on any specific claim. Not investment advice. See methodology for how this pipeline works.