Short answer
CITIZENS & NORTHERN CORP (CZNC) filed an 8-K current report with the SEC on July 23, 2026 reporting Item 2.02 (Results of Operations and Financial Condition), Item EX-99.1 (Exhibit EX-99.1). Unaudited results cover three and six months ended June 30, 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
- Unaudited results cover three and six months ended June 30, 2026
- Press release includes second-quarter financial results and dividend declaration
- Investors should review Exhibit 99 for earnings figures and dividend terms
Item EX-99.1 · Exhibit EX-99.1
- Q2 net income $14.1M, or $0.79 per diluted share, versus $6.1M and $0.40 year-over-year
- Core PPNR $15.8M, up from $10.3M, with six-month PPNR rising $11.5M to $30.0M after Susquehanna acquisition
- Net interest margin expanded to 4.07% from 3.52% year-over-year, supporting stronger recurring earnings
- Credit costs reversed $1.8M in Q2, but six-month provision reached $11.8M after a $10.1M commercial real estate charge-off
- Quarterly dividend maintained at $0.28 per share, payable August 14 to shareholders of record August 3
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