Welcome to our dedicated page for Citizen And Nrth SEC filings (Ticker: CZNC), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The Citizens & Northern Corporation (CZNC) SEC filings page on Stock Titan provides access to the company’s regulatory disclosures as a publicly traded financial services organization. Incorporated in Pennsylvania and listed on the NASDAQ Capital Market under the symbol CZNC, Citizens & Northern Corporation files reports with the U.S. Securities and Exchange Commission under Commission File Number 0-16084.
Investors can review C&N’s current reports on Form 8-K, which disclose material events such as mergers, financial results, investor presentations and changes in board composition. Recent 8-K filings describe the completion of the merger with Susquehanna Community Financial, Inc., including the structure of the transaction and the subsequent merger of Susquehanna Community Bank into Citizens & Northern Bank. Other 8-Ks report unaudited quarterly financial results, dividend declarations, regulatory approvals related to the merger and the furnishing of investor presentation materials.
Where applicable, C&N’s filings also include pro forma financial information and historical financial statements for acquired businesses, as seen in the 8-K/A that amends an earlier report to add Susquehanna’s audited and unaudited financial statements and related pro forma data. These documents help users understand how acquisitions affect C&N’s consolidated financial position and performance.
On Stock Titan, C&N’s SEC filings are updated in step with the EDGAR system, and AI-powered tools summarize key points from lengthy documents. Users can quickly identify the purpose of each filing, locate sections discussing results of operations, acquisition terms or governance changes, and use AI-generated highlights to focus on items such as transaction details, financial condition and other events disclosed under Item 8.01. This page is a starting point for deeper review of C&N’s 8-Ks and related exhibits, as well as other periodic and transactional filings available through the SEC.
Citizens & Northern Corporation reported sharply lower first quarter 2026 results as a large credit issue drove a major provision for loan losses. Net income fell to $273,000, or $0.02 per share, from $6.3 million, or $0.41 per share, in first quarter 2025, mainly due to a $13.6 million provision for credit losses versus $236,000 a year earlier.
Core performance remained solid: net interest income rose to $28.5 million, up 42% year over year, and pre-tax, pre-provision net revenue increased 74% to $14.1 million. Loans grew to $2.35 billion and deposits to $2.60 billion, each up more than 20% from a year earlier, while the quarterly dividend stayed at $0.28 per share.
Asset quality weakened, with nonperforming assets rising to 1.33% of total assets from 0.93%, and nonperforming loans at 1.76% of total loans. The allowance for credit losses increased to 1.42% of total loans from 1.06%, reflecting higher reserves on problem credits.
Citizens & Northern Corporation reported results from its virtual Annual Meeting of Shareholders held on April 23, 2026. Shareholders of record on February 25, 2026, holding 17,910,243 common shares, were eligible to vote, and 12,361,322 shares were present or represented by proxy, about 69% of shares outstanding.
Shareholders elected Class III directors Stephen M. Dorwart, J. Bradley Scovill and Aaron K. Singer, and Class II director Christian C. Trate, each for three‑year terms. All received more votes in favor than withheld or against, with additional broker non-votes reported.
Shareholders also approved the 2025 compensation of the named executive officers, with 7,696,638 votes in favor versus 1,012,603 against and 126,853 abstentions, plus broker non-votes. They further ratified the appointment of Crowe LLP as independent registered public accounting firm for the year ending December 31, 2026, with 12,276,726 votes in favor, 56,558 against and 28,038 abstentions.
CITIZENS & NORTHERN CORP submitted a Form 13F holdings report signed by Mark A. Hughes, Executive Vice President and Chief Financial Officer. The report lists 119 information-table entries with a total market value of $400,999,898. The filing shows 1 other included manager, Citizens & Northern Bank, Form 13F File No. 028-14473.
Trate Christian C reported acquisition or exercise transactions in this Form 4 filing.
CITIZENS & NORTHERN CORP director Christian C. Trate received an equity award. He was granted 1,080 shares of Common Stock as restricted stock at $23.15 per share, described as an award of restricted stock.
Following the grant, he directly holds 27,742 shares of Common Stock. He also has additional indirect holdings recorded as 5,587 shares held as trustee, 6,143 shares in a beneficiary IRA, and 70,360 shares held by a corporation.
Santiago Helen S reported acquisition or exercise transactions in this Form 4 filing.
CITIZENS & NORTHERN CORP director Helen S. Santiago received an award of 1,080 shares of Common Stock as restricted stock compensation. The shares were granted at a reference price of $23.15 per share. Following this award, she directly holds 10,947 Common Stock shares. Two additional indirect custodial holdings show 121 and 122 Common Stock shares, respectively.
Loughery Robert G reported acquisition or exercise transactions in this Form 4 filing.
Citizens & Northern Corp director Robert G. Loughery received a grant of 1,080 shares of common stock as an award of restricted stock. The shares were valued at $23.15 per share for reporting purposes, bringing his directly held common stock position to 11,996 shares after the grant.
The filing also lists small indirect holdings of common stock, including 375 shares held by a child and 2 shares held by a spouse, which are reported as indirect ownership rather than direct personal holdings.
Dorwart Stephen M reported acquisition or exercise transactions in this Form 4 filing.
CITIZENS & NORTHERN CORP director Stephen M. Dorwart reported a stock-based compensation grant. He received an award of 1,080 shares of Common Stock as Restricted Stock at a reference price of $23.15 per share, increasing his directly held Common Stock to 14,404 shares. The filing also lists 6,548 shares of Common Stock held indirectly through a corporation.
CITIZENS & NORTHERN CORP director Terry L. Lehman received an award of 1,080 shares of common stock, reported as restricted stock, on 2026-04-23. The grant was recorded at $23.15 per share and is characterized as a grant, award, or other acquisition rather than an open-market purchase.
Following this equity award, Lehman directly holds 29,317 shares of CITIZENS & NORTHERN CORP common stock. This filing reflects routine director compensation in stock form, with no derivative securities reported in connection with this transaction.
Citizens & Northern Corp director Bobbi J. Kilmer received an award of restricted common stock. The grant covered 1,080 shares at a reference value of $23.15 per share. After this acquisition, Kilmer directly holds 18,856 shares of Citizens & Northern common stock.
CITIZENS & NORTHERN CORP director Katherine W. Shattuck received an equity award. On April 23, 2026, she acquired 1,080 shares of common stock as an award of restricted stock at a value of $23.15 per share. Following this grant, she directly holds 10,439 common shares.