---
schema_version: "secwatch.filing_event.v1"
accession: "0001558370-25-009537"
form_type: "8-K"
ticker: "CZNC"
cik: "0000810958"
company_name: "CITIZENS & NORTHERN CORP"
filed_at: "2025-07-24T23:59:59+00:00"
generated_at: "2026-05-18T02:54:14.943601+00:00"
event_type: "other_material"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001558370-25-009537
- form_type: 8-K
- ticker: CZNC
- cik: 0000810958
- company_name: CITIZENS & NORTHERN CORP
- filed_at: 2025-07-24T23:59:59+00:00
- event_type: other_material
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/810958/000155837025009537/0001558370-25-009537-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/810958/000155837025009537/cznc-20250724x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-25-009537
- JSON: https://secwatch.observer/filing/0001558370-25-009537.json
- Plain text: https://secwatch.observer/filing/0001558370-25-009537.txt

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