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CITIZENS & NORTHERN CORP (CZNC) filed an 8-K current report with the SEC on April 29, 2026 reporting Item 2.02 (Results of Operations and Financial Condition), Item EX-99.1 (Exhibit EX-99.1). First-quarter 2026 unaudited results cover the three months ended March 31, 2026.
CITIZENS & NORTHERN CORP 8-K event analysis
AI summary of each reported item and its exhibits
Item 2.02 · Results of Operations and Financial Condition
- First-quarter 2026 unaudited results cover the three months ended March 31, 2026
- Press release issued April 29, 2026 contains the financial results and key performance details
- Investors should review Exhibit 99 for earnings, profitability, asset quality, and balance-sheet metrics
Item EX-99.1 · Exhibit EX-99.1
- Q1 2026 net income plunged 95.66% to $273,000, or $0.02 per diluted share, from $6.293 million, or $0.41
- $13.602 million credit-loss provision followed $10.808 million net charge-offs, including a $10.056 million office-loan charge-off
- Office-property deterioration pushed nonperforming assets to 1.33% of assets from 0.93%, increasing credit-risk concerns
- Core PPNR rose 73.50% to $14.142 million, while net interest margin expanded 60 basis points to 3.98%
- Liquidity remained strong at $1.363 billion, or 159.3% of uninsured deposits; ACL increased to 1.42% of gross loans
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