Every 8-K that Citizens & Northern Corporation (CZNC) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 8-K covers material events a company has to report between its quarterly reports, so if you follow CZNC and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full CZNC filings page.
Citizens & Northern Corporation appointed Aaron Singer Vice Chair of the Board, effective immediately. Terry Lehman will step down as Chair at the 2027 annual meeting, when Singer will succeed him. Lehman intends to continue as a director, subject to Board nomination and shareholder election.
Singer has served on the Board since 2017 and chairs the Governance and Nominating Committee. As Vice Chair, he will support Lehman as Chair and preside in Lehman’s absence while preparing to assume the Chair position in 2027. Citizens & Northern Corporation is the parent company of Citizens & Northern Bank and operates 34 full-service offices.
Citizens & Northern Corporation reported unaudited consolidated net income of $16.285 million for the three months ended September 30, 2026, compared with $6.551 million a year earlier; diluted earnings per share were $0.92 versus $0.42. The company said quarterly net income was a record. Net interest income was $30.205 million, and net interest margin expanded 6 basis points. Results included a $3.171 million credit for credit losses, attributed mainly to changes in qualitative factors. Pre-tax, pre-provision net revenue was $17.464 million, up $1.6 million quarter over quarter, excluding the credit for credit losses. For the first nine months, net income was $30.615 million versus $18.961 million in 2025.
The efficiency ratio was 56.11%, compared with 62.14% in the year-earlier quarter. Total loans receivable declined for a second consecutive quarter, which management attributed to payoffs of a few larger loans; it said origination levels remained reasonably strong. The board declared a regular quarterly cash dividend of $0.30 per share, an increase of $0.02, payable November 13, 2026, to shareholders of record November 2, 2026.
CITIZENS & NORTHERN CORP (CZNC) reported a change to its corporate governance practices through an amendment to its By-laws. On September 18, 2026, the Board of Directors approved and adopted a revision to Section 2.3 governing regular Board meetings.
The new language states that regular meetings of the Board shall be held each month, or less frequently as the Board shall determine, at the corporation’s Wellsboro, Pennsylvania office or another location designated by the Board. The amended By-laws, effective immediately, are included as Exhibit 3.2 and incorporated by reference.
Citizens & Northern Corporation reported a strong rebound in profitability for the three and six months ended June 30, 2026 and declared a $0.28 per-share quarterly cash dividend, payable August 14, 2026 to shareholders of record on August 3, 2026.
Second-quarter 2026 net income was $14,057 thousand, or $0.79 per share, compared with $273 thousand, or $0.02 per share, in first-quarter 2026 and $6,117 thousand, or $0.40, a year earlier. Net interest income rose to $29,618 thousand, with a quarterly net interest margin of 4.07%, while pre-tax, pre-provision net revenue reached $15,815 thousand in the quarter and $29,957 thousand year-to-date. Asset quality reflected net recoveries and slightly improved nonperforming asset ratios, with nonperforming loans at 1.71% of total loans and an allowance for credit losses of 1.39% of total loans. Total assets were $3,151,984 thousand, loans net of allowance were $2,316,264 thousand and deposits totaled $2,603,735 thousand. Capital and liquidity were solid, including a total risk-based capital ratio of 14.52% and highly liquid available funding of $1,387,136 thousand.
Citizens & Northern Corporation announced a planned leadership transition in its commercial lending business. On May 7, 2026, longtime executive Kelley Cwiklinski, Executive Vice President and Chief Lending Officer – Commercial of Citizens & Northern Bank, tendered her notice of retirement, effective at the close of business on July 10, 2026. She will continue to receive her pro rata base salary and benefits through that date.
The company’s May 11, 2026 press release notes that Cwiklinski’s decision follows a 41-year career in banking, including leading C&N’s commercial lending strategy and contributing to acquisitions such as Susquehanna Community Bank. As part of the planned transition, Gregory Adamson, currently Southeast Regional Commercial Lending Executive, will be promoted to Senior Vice President, Director of Commercial Lending and will assume the role upon Cwiklinski’s retirement. He brings over 27 years of commercial banking experience and will focus on continuing to grow C&N’s relationship-based commercial lending business.
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 Corporation reported that its Board of Directors declared a regular quarterly cash dividend of $0.28 per share on April 23, 2026. The dividend will be paid on May 15, 2026 to shareholders of record as of May 4, 2026.
The company is the bank holding company for Citizens & Northern Bank, which operates 35 banking offices across multiple counties in Pennsylvania and New York and trades on the Nasdaq Capital Market under the symbol CZNC.
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.
Citizens & Northern Corporation announced that its Board of Directors declared a regular quarterly cash dividend of $0.28 per share on its common stock. The dividend will be paid on February 13, 2026 to shareholders who are on record as of February 2, 2026. The company also issued a press release with further details, which is included as an exhibit to this report.
Citizens & Northern Corporation filed an amended current report to provide detailed financial information related to its completed merger with Susquehanna Community Financial, Inc. On October 1, 2025, Susquehanna merged into Citizens & Northern, and its banking subsidiary combined with Citizens & Northern Bank.
The amendment adds Susquehanna’s audited consolidated financial statements for the years ended December 31, 2024 and 2023, unaudited consolidated statements as of September 30, 2025 and December 31, 2024 and for the nine-month periods ended September 30, 2025 and 2024, as well as unaudited pro forma financial information. These exhibits provide a fuller view of Susquehanna’s historical performance and the combined company’s financial position after the merger.
Citizens & Northern Corporation (CZNC) announced that President & CEO J. Bradley Scovill and CFO Mark A. Hughes are scheduled to present an overview of the company on November 11, 2025 at the Piper Sandler & Co. Financial Services Conference in Aventura, FL.
The company furnished an Investor Presentation as Exhibit 99.1, which is incorporated by reference. This disclosure is provided under Regulation FD and is being furnished, not filed.
Citizens & Northern Corporation reported that it has released unaudited, consolidated financial results for the three and nine months ended September 30, 2025. The company also declared a dividend, as detailed in a press release dated October 23, 2025.
The press release, titled “C&N Declares Dividend and Announces Third Quarter 2025 Unaudited Financial Results,” is furnished as Exhibit 99 to this 8-K and incorporated by reference. CZNC common stock is listed on the Nasdaq Capital Market.
Citizens & Northern Corporation completed its previously announced stock-for-stock merger with Susquehanna Community Financial, Inc. on October 1, 2025. Each share of Susquehanna common stock was converted into the right to receive 0.80 shares of C&N common stock, for total merger consideration of approximately 2,273,000 C&N shares.
Immediately after the holding company merger, Susquehanna Community Bank merged into Citizens & Northern Bank, which remains the surviving bank. As part of the merger terms, Christian C. Trate joined the C&N and C&N Bank boards as a Class II director and was appointed to the Governance and Nominating Committee and the Wealth Committee. C&N plans to file required financial statements and pro forma financial information for the acquired business in a later amendment.
Citizens & Northern Corporation reported that it has received all required regulatory approvals or waivers and shareholder approval to complete its previously announced merger with Susquehanna Community Financial, Inc. The merger, in which Susquehanna will merge with and into Citizens & Northern, is expected to close on October 1, 2025, subject to customary closing conditions. The companies issued a joint press release about the approvals and Susquehanna shareholder vote, which is filed as an exhibit to this report.
Citizens & Northern Corporation reported that director Susan E. Hartley has retired from the boards of both the Corporation and its wholly owned banking subsidiary, Citizens & Northern Bank. The Board was advised of her intent to retire on September 8, 2025, and her retirement became effective the same day.
The company states that Hartley is retiring to focus on health matters. No other management or board changes, financial results, or strategic actions are described in this report.