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.
Searching for net-interest margin trends, allowance for loan losses, or executive stock purchases at Citizens & Northern Corp (CZNC)? Start here. Investors exploring a regional community bank can spend hours combing through dense SEC disclosures just to answer basic questions about loan portfolio health or branch-level deposit growth.
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Katherine W. Shattuck, a director of Citizens & Northern Corporation (CZNC), reported a small acquisition of company common stock under a written trading plan. The Form 4 shows a purchase of 20 shares of common stock on 08/08/2025 at a price of $18.66 per share, implemented pursuant to a written plan that became effective 05/01/2025.
After this transaction, the filing reports direct beneficial ownership of 9,368 shares. The form was filed by a single reporting person and is signed by an attorney-in-fact on behalf of the reporting person.
Frank G. Pellegrino, a director of Citizens & Northern Corp (CZNC), reported acquiring 218 shares of common stock on 08/08/2025 at a price of $18.66 per share. The filing states the transaction was executed under a written trading plan that became effective 05/01/2025 (Rule 10b5-1). Following the purchase, Mr. Pellegrino's direct beneficial ownership is reported as 45,044 shares.
The Form 4 shows no derivative transactions and was signed by an attorney-in-fact, Melinda S. Kilburn, on behalf of Mr. Pellegrino and filed on 08/11/2025. The report is filed by one reporting person and identifies Mr. Pellegrino as a director. No other material changes or disclosures appear in this filing.
Citizens & Northern Corporation (CZNC) Form 10-Q — Quarter ended June 30, 2025
Consolidated total assets were $2,610,875k at June 30, 2025. Loans receivable totaled $1,919,258k with an allowance for credit losses of $21,699k. Total deposits were $2,109,776k. Stockholders' equity was $286,357k.
- Net income — Three months ended June 30, 2025: $6,117k (Q2 2024: $6,113k); Six months ended June 30, 2025: $12,410k (2024: $11,419k).
- Earnings per share — Q2: $0.40; Six months: $0.80 (six months 2024: $0.74).
- Net interest income — Q2: $21,142k (Q2 2024: $19,445k); after provision for credit losses Q2: $18,788k.
- Provision for credit losses — Q2: $2,354k (Q2 2024: $565k); six months: $2,590k (2024: $1,519k).
- Comprehensive income — Q2: $8,133k; six months: $18,497k (driven by unrealized gains on AFS securities).
- Cash flows — Operating activities provided $10,096k; investing used $20,709k; financing used $15,692k; cash and equivalents ended at $97,269k.
The accompanying notes include interim presentation, ASU disclosures, and per-share calculations.
Citizens & Northern Corp. (CZNC) has filed an amended Form S-4 to register 2,273,051 new CZNC shares to fund its all-stock acquisition of Susquehanna Community Financial Inc. (SQCF). Each SQCF share will be converted into 0.80 CZNC share; based on CZNC’s $19.48 close on 22-Apr-25 the implied value is $15.58 per SQCF share. The fixed ratio will give SQCF holders roughly 13 % of the combined company; existing CZNC investors will retain 87 %.
Deal size & structure: estimated purchase price $44.9 m (using 16-Jul-25 CZNC price $19.74). Transaction is intended to qualify as a tax-free reorganisation under IRC 368(a). Closing is targeted for Q4-25, contingent on FRB and Pennsylvania DB&S approvals, other customary conditions and approval by at least two-thirds of SQCF votes cast. Fewer than 5 % dissenters may exercise appraisal rights.
Combined metrics: pro-forma assets $3.21 bn, deposits $2.61 bn, loans $2.28 bn. Preliminary purchase accounting yields ~$12 m goodwill and $11.7 m core-deposit intangibles.
Governance & management: SQCF chair Christian C. Trate will join the CZNC and bank boards; SQCF CEO David Runk and President Jeffrey Hollenbach will assume EVP roles at CZNC Bank. A $1.77 m termination fee applies if SQCF accepts a superior offer or fails to secure shareholder approval following an alternative proposal.
Key risks: fixed exchange ratio exposes SQCF holders to CZNC market swings; deal may be voided if CZNC’s 10-day average price drops below $15.58 and underperforms the KBW Regional Bank Index by >20 % unless CZNC raises consideration.
Citizens & Northern Corp. (CZNC) Form 4 filing: Director Frank G. Pellegrino reported the purchase of 203 common shares on 07/07/2025 at an average price of $19.9897 per share. The transaction was executed under a Rule 10b5-1 trading plan that became effective 05/01/2025. Following the purchase, Pellegrino now directly owns 44,826 shares of CZNC common stock.
The filing shows no dispositions or derivative security transactions. Given CZNC’s ~15 million outstanding shares, the purchased amount represents less than 0.002% of shares outstanding and is unlikely to materially affect the company’s ownership structure or market sentiment. Nonetheless, insider buying—however small—can serve as a modest indicator of director confidence.
Citizens & Northern Corporation (CZNC) filed a Form 4 disclosing that director Katherine W. Shattuck purchased 19 shares of common stock on July 7, 2025 at $19.9897 per share, for a total consideration of roughly $380. The transaction was executed under a Rule 10b5-1 trading plan that became effective on May 1, 2025. After the purchase, Shattuck’s direct holdings stand at 9,348 shares. No derivative securities transactions were reported in the filing.
The trade represents a routine, low-value insider purchase that is unlikely to have a material financial impact on Citizens & Northern’s share count or liquidity, but it can be interpreted as a modest signal of insider confidence.
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