C&N reports Q2 EPS $0.40, dividend $0.28, merger with Susquehanna on track for Q4 2025

CITIZENS & NORTHERN CORP

Q2 2025 net income $6.117M ($0.40 diluted EPS) vs $6.113M ($0.40) YoY; net interest margin expanded to 3.52%.
Provision for credit losses spiked to $2.354M in Q2 vs $236K Q1 due to higher ACL on economic factors.
Dividend declared $0.28/share, payable Aug 15, 2025 to holders of record Aug 4, 2025.
Merger with Susquehanna Community Financial (7 branches) expected to close Q4 2025, pending approvals.
Nonperforming assets rose to $25.698M (0.98% of assets) from $19.780M a year ago.

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