{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-25-005252","form_type":"8-K","ticker":"CZNC","cik":"0000810958","company_name":"CITIZENS & NORTHERN CORP","filed_at":"2025-04-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:51.355924+00:00","generated_at":"2026-05-23T08:39:55.916583+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"C&N Q1 net income $6.3M ($0.41 EPS), up 18.6% YoY; net interest margin improves to 3.38%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-25-005252","json":"https://secwatch.observer/filing/0001558370-25-005252.json","markdown":"https://secwatch.observer/filing/0001558370-25-005252.md","text":"https://secwatch.observer/filing/0001558370-25-005252.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/810958/000155837025005252/0001558370-25-005252-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/810958/000155837025005252/cznc-20250423x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T08:39:55.916583+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"}