Citizens & Northern (NASDAQ: CZNC) releases Q4 and 2025 unaudited results

Rhea-AI Filing Summary

Citizens & Northern Corporation filed a current report to note that it has released unaudited, consolidated financial results for the fourth quarter and full year ended December 31, 2025. The company did this through a press release titled “C&N Announces Fourth Quarter and Year End 2025 Unaudited Financial Results.”

The press release is furnished as Exhibit 99 to this Form 8-K and incorporated by reference, meaning detailed quarterly and annual figures are provided in that exhibit rather than in the body of the report.

8-K Event Classification

2 items: 2.02, 9.01

2 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

0000810958false00008109582026-01-282026-01-28

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

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FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934

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January 28, 2026

Date of Report (Date of earliest event reported)

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Citizens & Northern Corporation

(Exact name of registrant as specified in its charter)

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Pennsylvania	​ ​ ​	0-16084	​ ​ ​	23-2451943
(State or other jurisdiction	​	(Commission	​	(IRS Employer
of incorporation)	​	File Number)	​	Ident. No.)
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90-92 Main Street, Wellsboro, Pennsylvania	​	​	​	16901
(Address of principal executive offices)	​	​	​	(Zip Code)

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(570) 724-3411

Registrant’s telephone number, including area code

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N/A

(Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

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☐    Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

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☐    Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

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☐    Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

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☐    Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

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Securities registered pursuant to Section 12(b) of the Act:

Title of each class		Trading Symbol		Name of each exchange on which  registered
Common Stock, par value $1.00 per share		CZNC		Nasdaq Capital Market

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Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2).

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Emerging growth company ☐

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If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

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ITEM 2.02. Results of Operations and Financial Condition

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Citizens & Northern Corporation (the “Company”) announced unaudited, consolidated financial results for the quarter and year ended December 31, 2025. On January 28, 2026, the Company issued a press release titled “C&N Announces Fourth Quarter and Year End 2025 Unaudited Financial Results,” a copy of which is furnished as Exhibit 99 to this Current Report on Form 8-K and is incorporated herein by reference.

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ITEM 9.01. Financial Statements and Exhibits

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(a)    Not applicable.

(b)    Not applicable.

(c)    Not applicable.

(d)    Exhibits.

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​	Exhibit 99: Press Release issued by Citizens & Northern Corporation dated January 28, 2026, titled “C&N Announces Fourth Quarter and Year End 2025 Unaudited Financial Results.”
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​	Exhibit 104: Cover Page Interactive Data File (embedded in the cover page formatted in Inline XBRL)

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SIGNATURES

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Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

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	CITIZENS & NORTHERN CORPORATION
Date:  January 28, 2026	By:	/s/ Mark A. Hughes
​	​	Mark A. Hughes
		Treasurer and Chief Financial Officer

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FAQ

What does Citizens & Northern (CZNC) report in this 8-K filing?

Citizens & Northern reports that it has released unaudited, consolidated financial results for the quarter and year ended December 31, 2025. The detailed numbers are contained in a separate press release furnished as Exhibit 99 to the Form 8-K.

Which period do the new Citizens & Northern (CZNC) results cover?

The results cover the fourth quarter and full year ended December 31, 2025. Citizens & Northern describes them as unaudited, consolidated financial results, with full details available in the press release attached as Exhibit 99 to the current report.

How did Citizens & Northern (CZNC) release its Q4 and 2025 results?

Citizens & Northern released its Q4 and full-year 2025 results via a press release titled “C&N Announces Fourth Quarter and Year End 2025 Unaudited Financial Results,” which is furnished as Exhibit 99 and incorporated by reference into the Form 8-K.

Where can investors find the detailed CZNC 2025 financial figures?

Investors can find the detailed figures in the press release furnished as Exhibit 99 to the Form 8-K. That exhibit, titled “C&N Announces Fourth Quarter and Year End 2025 Unaudited Financial Results,” contains the specific quarterly and annual financial information.

Who signed the Citizens & Northern (CZNC) 8-K for the 2025 results?

The Form 8-K was signed on behalf of Citizens & Northern Corporation by Mark A. Hughes, who is identified as the company’s Treasurer and Chief Financial Officer. His signature confirms the company’s authorization of the current report’s contents.