---
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"
generated_at: "2026-05-23T08:39:55.916583+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-25-005252
- JSON: https://secwatch.observer/filing/0001558370-25-005252.json
- Plain text: https://secwatch.observer/filing/0001558370-25-005252.txt

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