• Citizens & Northern posted first-quarter net income of $273,000, or $0.02 per diluted share, down from $6.29 million, or $0.41 per diluted share, a year earlier.
• Provision for credit losses climbed to $13.6 million from $236,000, driven by net charge-offs of $10.81 million tied mainly to a $10.06 million partial charge-off on a non-owner occupied commercial real estate office loan in Bucks County, Pennsylvania.
• Net interest income rose 42.4% to $28.45 million, lifting net interest margin to 3.98% from 3.38%.
• Noninterest expense increased 19.3% to $22.71 million, reflecting impact of Susquehanna acquisition completed Oct. 1, 2025.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Citizens & Northern Corporation published the original content used to generate this news brief via EDGAR, the Electronic Data Gathering, Analysis, and Retrieval system operated by the U.S. Securities and Exchange Commission (Ref. ID: 0001104659-26-057705), on May 08, 2026, and is solely responsible for the information contained therein.