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AI brief of an SEC Form 8-K · CITIZENS & NORTHERN CORP (CZNC)

C&N net income rises to $14.1 million, $0.79 a share, in second quarter 2026

Positive Impact 3 of 5 earnings Written later

C&N reported unaudited second quarter 2026 net income of $14.1 million, or $0.79 per diluted share, compared with $273,000 in the first quarter of 2026 and $6.1 million in the second quarter of 2025. The company also declared a regular quarterly dividend of $0.28 per share, payable August 14, 2026, to holders of record on August 3, 2026, which shareholders will receive as cash.

Key points

  • Net income of $14,057,000, or $0.79 per diluted share, for Q2 2026, versus $273,000 ($0.02) in Q1 2026 and $6,117,000 ($0.40) in Q2 2025
  • Credit for credit losses of $1,846,000 in Q2 2026, compared with a provision of $13,602,000 in Q1 2026, which included a $10,056,000 charge-off on one commercial real estate loan
  • Net interest margin of 4.07% in Q2 2026, up from 3.98% in Q1 2026 and 3.52% in Q2 2025
  • Quarterly dividend of $0.28 per share, payable August 14, 2026, to shareholders of record as of August 3, 2026

The filing

CompanyCITIZENS & NORTHERN CORP (CZNC)
Form8-K, current report
Filed with the SECJul 23, 2026, 4:10 PM ET
Accession number0001104659-26-086259

Items reported: 2.02 Results of Operations

Read the filing on SEC.gov ↗

Written by AI on Nov 9, 2026, 8:51 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on July 23, 2026.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.