CITIZENS & NORTHERN CORP

CIK 0000810958 • 6 13F filings • Apr 21, 2025 – Jul 17, 2026

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Filer information

Filed by: CITIZENS & NORTHERN CORP, Executive Vice President and Chief Financial Officer
Address: 90-92 MAIN ST, WELLSBORO, PA, 16901
Phone: 570-724-3411
AUM: $403.6M

AUM over time

$437.7M latest

Sector allocation over time

Past 5 quarters

Q4 2025

Q3 2025

Q2 2026

Q2 2025

Q1 2026

TechnologyHealthcareConsumer DiscretionaryConsumer StaplesFinancialsCommunicationIndustrialsEnergyReal EstateOther

Holdings by filing

Portfolio value: $403.6M1 positionsView on SEC.gov

			% of Portfolio
Abbott Labs	COM	$2.6M	0.6%Prev: 0.7%	20,562 SH	Decreased-1,313 SH
Accenture PLC	SHS CLASS A	$1.5M	0.4%Prev: 0.3%	5,588 SH	Increased-136 SH
Adobe Systems Inc	COM	$1.3M	0.3%Prev: 0.4%	3,840 SH	Decreased-225 SH
Advanced Micro Devices Inc	COM	$3.4M	0.8%Prev: 0.6%	15,877 SH	Increased-108 SH
Alphabet Inc Class A	CAP STK CL A	$279K	0.1%Prev: 0.1%	890 SH	Increased-75 SH
Alphabet Inc Class C	CAP STK CL C	$12.7M	3.1%Prev: 2.7%	40,453 SH	Increased-4,731 SH
Amazon Communications Inc	COM	$8.7M	2.2%Prev: 2.2%	37,712 SH	Decreased-2,286 SH
American Tower REIT Inc	COM	$1.6M	0.4%Prev: 0.4%	9,061 SH	Decreased-291 SH
Analog Devices Inc	COM	$2.5M	0.6%Prev: 0.4%	9,288 SH	Increased+2,172 SH
Apple Computer Inc	COM	$14.5M	3.6%Prev: 3.7%	53,237 SH	Decreased-4,631 SH
AT&T Inc	COM	$423K	0.1%Prev: 0.1%	17,037 SH	Decreased
Avantis Emerging Markets Equity ETF	AVANTIS EMGMKT	$781K	0.2%Prev: 0.2%	10,143 SH	Increased
Avantis International Equity ETF	INTL EQT ETF	$4.5M	1.1%Prev: 1.0%	54,809 SH	Increased+3,751 SH
Avantis US Equity ETF	US EQT ETF	$1.5M	0.4%Prev: 0.4%	13,829 SH	Increased
Bath & Body Works	COM	$439K	0.1%Prev: 0.2%	21,871 SH	Decreased-13,687 SH
Becton, Dickinson & Co.	COM	$822K	0.2%Prev: 0.3%	4,235 SH	Decreased-2,521 SH
Berkshire Hathaway Inc Class B New	CL B NEW	$732K	0.2%Prev: 0.2%	1,456 SH	Decreased-68 SH
Biogen Idec Inc	COM	$1.2M	0.3%Prev: 0.2%	6,912 SH	Increased-84 SH
Blackrock Funding Inc	COM	$238K	0.1%Prev: 0.4%	222 SH	Decreased-1,092 SH
Blackstone Inc	COM	$2.4M	0.6%Prev: 0.7%	15,280 SH	Decreased-322 SH
Boeing Co	COM	$1.9M	0.5%Prev: 0.3%	8,980 SH	Increased+2,649 SH
Bristol Myers Squibb Co	COM	$1.0M	0.3%Prev: 0.2%	19,051 SH	Increased-554 SH
Broadcom Inc Common	COM	$2.3M	0.6%Prev: 0.5%	6,719 SH	Increased+196 SH
Carrier Global Corp	COM	$1.0M	0.3%Prev: 0.3%	19,638 SH	Decreased-556 SH
Caterpillar Inc	COM	$2.4M	0.6%Prev: 0.1%	4,214 SH	Increased+3,084 SH
Cencora, Inc.	COM	$2.4M	0.6%Prev: 0.6%	7,045 SH	Increased-406 SH
Charles Schwab Corp	COM	$2.1M	0.5%Prev: 0.5%	21,271 SH	Increased-827 SH
Chevron Corp	COM	$1.2M	0.3%Prev: 0.3%	7,716 SH	Decreased-126 SH
Chipotle Mexican Grill Inc Corp Common	COM	$1.4M	0.3%Prev: 0.5%	38,035 SH	Decreased-10,105 SH
Cisco Systems Inc	COM	$2.5M	0.6%Prev: 0.6%	32,735 SH	Increased-1,298 SH
Citigroup Inc Common New	COM NEW	$1.6M	0.4%	13,930 SH	New
Citizens & Northern Corp	COM	$7.3M	1.8%Prev: 1.6%	361,412 SH	Increased+40,323 SH
Citizens Financial Services Inc	COM	$6.7M	1.7%Prev: 1.7%	117,063 SH	Decreased-18 SH
Coca Cola Co	COM	$1.6M	0.4%Prev: 0.4%	23,393 SH	Increased-1,060 SH
Comcast Corp Class A	CL A	$330K	0.1%Prev: 0.4%	11,030 SH	Decreased-34,119 SH
Consumer Discretionary Select Sector SPDR	SBI CONS DISCR	$270K	0.1%	2,260 SH	New
Corning Inc	COM	$1.9M	0.5%Prev: 0.4%	21,734 SH	Increased+2,076 SH
Costco Wholesale Corp (New)	COM	$3.8M	0.9%Prev: 1.1%	4,373 SH	Decreased-221 SH
Cummins Inc	COM	$306K	0.1%Prev: 0.1%	600 SH	Increased
CVS Health Corporation	COM	$2.1M	0.5%Prev: 0.5%	26,828 SH	Decreased-1,428 SH
Deere & Co	COM	$410K	0.1%Prev: 0.1%	880 SH	Increased-6 SH
DFA Dimensional Emerging Markets Core Equity 2 ETF	EMERGING MKTS CO	$425K	0.1%Prev: 0.1%	12,833 SH	Increased+1,910 SH
DFA Dimensional International Core Equity 2 ETF	INTL CORE EQUITY	$597K	0.1%Prev: 0.1%	17,326 SH	Increased
Dimensional U.S. Core Equity 2 ETF	US CORE EQUITY 2	$9.4M	2.3%Prev: 2.2%	238,023 SH	Increased+5,622 SH
Disney Walt Co	COM	$1.5M	0.4%Prev: 0.4%	12,788 SH	Decreased-346 SH
DuPont de Nemours Inc	COM	$889K	0.2%Prev: 0.2%	22,119 SH	Decreased+10,645 SH
Eaton Corp	SHS	$1.4M	0.4%Prev: 0.4%	4,507 SH	Decreased-75 SH
Eli Lilly & Co	COM	$339K	0.1%Prev: 0.1%	315 SH	Increased+33 SH
Emerson Electric Co	COM	$1.3M	0.3%	9,993 SH	New
EOG Resources, Inc.	COM	$1.1M	0.3%Prev: 0.2%	10,726 SH	Increased+1,779 SH
Exxon Mobil Corp	COM	$3.2M	0.8%Prev: 0.8%	26,338 SH	Increased-1,217 SH
Fidelity MSCI Real Estate Index ETF	MSCI RL EST ETF	$29.2M	7.2%Prev: 5.7%	1,087,071 SH	Increased+264,741 SH
FlexShares Core Select Bond Fund ETF	CRE SLCT BD FD	$233K	0.1%Prev: 0.1%	10,418 SH	Decreased-147 SH
Freeport-McMoran, Inc.	CL B	$914K	0.2%Prev: 0.2%	17,999 SH	Increased-220 SH
General Dynamics Corp	COM	$1.8M	0.5%Prev: 0.6%	5,408 SH	Decreased-2,134 SH
GSK PLC ADR	SPONSORED ADR	$1.9M	0.5%Prev: 0.4%	39,595 SH	Increased-1,935 SH
Halliburton Co	COM	$232K	0.1%Prev: 0.2%	8,222 SH	Decreased-19,656 SH
Health Care Select Sector SPDR ETF	SBI HEALTHCARE	$412K	0.1%	2,659 SH	New
Home Depot Inc	COM	$1.9M	0.5%Prev: 0.7%	5,601 SH	Decreased-978 SH
Honeywell Intl Inc	COM	$362K	0.1%Prev: 0.5%	1,856 SH	Decreased-7,353 SH
Illinois Tool Works Inc	COM	$467K	0.1%Prev: 0.1%	1,898 SH	Decreased+22 SH
Intercontinental Exchange Inc Common	COM	$1.3M	0.3%Prev: 0.4%	8,324 SH	Decreased-288 SH
International Business Machines	COM	$839K	0.2%Prev: 0.2%	2,832 SH	Increased-27 SH
Intuit	COM	$1.3M	0.3%	2,001 SH	New
iShares Barclays MBS Bond Fund ETF	MBS ETF	$3.4M	0.8%Prev: 0.8%	35,349 SH	Increased+969 SH
iShares Barclays TIPS Bond Fund	TIPS BD ETF	$594K	0.1%Prev: 0.1%	5,404 SH	Increased+270 SH
iShares Core MSCI Emerging Mkts ETF	CORE MSCI EMKT	$22.3M	5.5%Prev: 5.8%	331,668 SH	Decreased-25,119 SH
iShares Core S&P 500 ETF	CORE S&P500 ETF	$377K	0.1%Prev: 0.1%	550 SH	Increased+38 SH
iShares Dow Jones US Med Devices Index	U.S. MED DVC ETF	$384K	0.1%	6,179 SH	New
iShares iBoxx $ High Yield Corp Bond ETF	IBOXX HI YD ETF	$873K	0.2%Prev: 0.1%	10,822 SH	Increased+3,803 SH
iShares JPMorgan USD Emerging Markets Bond ETF	JPMORGAN USD EMG	$12.7M	3.2%Prev: 3.1%	132,225 SH	Increased+1,563 SH
iShares North American Natural Resources ETF	NORTH AMERN NAT	$24.7M	6.1%Prev: 6.0%	492,536 SH	Increased-2,968 SH
iShares Russell 1000 Value ETF	RUS 1000 VAL ETF	$637K	0.2%Prev: 0.1%	3,029 SH	Increased+210 SH
iShares S&P MidCap 400 Index Fd	CORE S&P MCP ETF	$17.1M	4.2%Prev: 4.2%	258,672 SH	Increased+357 SH
iShares Short-Term National Muni Bond ETF	SHRT NAT MUN ETF	$633K	0.2%Prev: 0.2%	5,929 SH	Decreased
iShares Trust Russell 1000 Growth ETF	RUS 1000 GRW ETF	$1.1M	0.3%Prev: 0.2%	2,254 SH	Increased+118 SH
Johnson & Johnson	COM	$1.7M	0.4%Prev: 0.4%	8,196 SH	Increased-49 SH
JPMorgan Chase & Co	COM	$6.5M	1.6%Prev: 1.9%	20,091 SH	Decreased-4,583 SH
KKR & Co Inc	COM	$1.8M	0.4%	14,168 SH	New
Lowes Cos Inc	COM	$266K	0.1%Prev: 0.1%	1,105 SH	Decreased-21 SH
M & T Bank Corp	COM	$734K	0.2%Prev: 0.2%	3,642 SH	Increased+258 SH
Marsh	COM	$1.2M	0.3%	6,509 SH	New
Mastercard Inc Class A	CL A	$4.5M	1.1%Prev: 1.2%	7,877 SH	Decreased-299 SH
McDonalds Corp	COM	$944K	0.2%Prev: 0.2%	3,090 SH	Decreased-83 SH
Meta Platforms Inc	CL A	$5.8M	1.4%Prev: 1.6%	8,780 SH	Decreased+67 SH
Microsoft Corp	COM	$13.7M	3.4%Prev: 4.0%	28,309 SH	Decreased-2,922 SH
Mondelez Intl Inc Class A	CL A	$1.3M	0.3%Prev: 0.5%	24,204 SH	Decreased-7,355 SH
National Fuel Gas Co N J	COM	$321K	0.1%Prev: 0.1%	4,012 SH	Decreased
Netflix Inc Corp	COM	$1.5M	0.4%	15,633 SH	New
Nextera Energy Inc	COM	$1.4M	0.3%Prev: 0.3%	17,340 SH	Increased-759 SH
Nike, Inc. Class B	CL B	$1.1M	0.3%Prev: 0.3%	17,005 SH	Decreased+207 SH
Norfolk Southern Corp	COM	$2.0M	0.5%Prev: 0.7%	6,836 SH	Decreased-2,714 SH
Nvidia Corp	COM	$15.3M	3.8%Prev: 4.1%	81,880 SH	Decreased-6,151 SH
Oracle Corp	COM	$2.8M	0.7%Prev: 1.0%	14,504 SH	Decreased+20 SH
Palo Alto Networks Inc Common	COM	$1.4M	0.3%Prev: 0.4%	7,509 SH	Decreased-206 SH
Paypal Holdings, Inc.	COM	$1.6M	0.4%Prev: 0.4%	27,351 SH	Increased+5,145 SH
Pfizer Inc	COM	$1.2M	0.3%Prev: 0.3%	47,977 SH	Decreased-1,776 SH
Procter & Gamble Co	COM	$2.7M	0.7%Prev: 0.7%	18,566 SH	Decreased-190 SH
Progressive Corp Ohio common	COM	$211K	0.1%Prev: 0.1%	925 SH	Decreased+67 SH
Quest Diagnostics Inc	COM	$269K	0.1%Prev: 0.1%	1,550 SH	Decreased-24 SH
Rockwell Automation Inc Common	COM	$259K	0.1%Prev: 0.1%	666 SH	Increased
Roper Industries Inc New	COM	$496K	0.1%Prev: 0.1%	1,115 SH	Decreased
RTX Corporation	COM	$2.5M	0.6%Prev: 0.5%	13,774 SH	Increased+2,503 SH
Salesforce, Inc.	COM	$2.2M	0.6%Prev: 0.5%	8,467 SH	Increased-383 SH
Servicenow Inc	COM	$1.4M	0.3%Prev: 0.4%	9,127 SH	Decreased+7,271 SH
SLB Limited	COM STK	$1.3M	0.3%Prev: 0.3%	34,819 SH	Increased-1,428 SH
SPDR Dow Jones Industrial Average ETF Trust	UT SER 1	$1.2M	0.3%Prev: 0.3%	2,543 SH	Increased
State Street SPDR Portfolio Long Term Treasury ETF	PORTFOLIO LN TSR	$805K	0.2%	30,396 SH	New
State Street SPDR Portfolio S&P 400 Mid Cap ETF	PORTFOLIO S&P400	$13.6M	3.4%	235,643 SH	New
State Street SPDR Portfolio Short Term Treasury ETF	PORTFOLIO SH TSR	$789K	0.2%	26,935 SH	New
State Street SPDR S&P 500 ETF Trust	TR UNIT	$2.0M	0.5%	2,877 SH	New
Tapestry Inc Common	COM	$1.1M	0.3%	8,383 SH	New
Tjx Companies (New)	COM	$2.6M	0.6%Prev: 0.6%	16,856 SH	Increased-601 SH
Truist Financial Corporation	COM	$233K	0.1%Prev: 0.4%	4,727 SH	Decreased-29,621 SH
Union Pacific Corp	COM	$1.2M	0.3%Prev: 0.3%	5,044 SH	Decreased
Vanguard Dividend Appreciation Index ETF	DIV APP ETF	$630K	0.2%Prev: 0.2%	2,866 SH	Decreased-1,135 SH
Vanguard REIT Index ETF	REAL ESTATE ETF	$237K	0.1%Prev: 0.1%	2,683 SH	Decreased
Vanguard Russell 1000 Growth ETF	VNG RUS1000GRW	$44.8M	11.1%Prev: 11.8%	367,716 SH	Decreased-29,052 SH
Vanguard Tax-Exempt Bond Index ETF	TAX EXEMPT BD	$226K	0.1%Prev: 0.1%	4,503 SH	Decreased-43 SH
Vanguard Total International Bond Index Fund ETF	TOTAL INT BD ETF	$1.2M	0.3%Prev: 0.3%	24,121 SH	Increased+1,509 SH
Vanguard Total World Stock Index Fund ETF	TT WRLD ST ETF	$282K	0.1%Prev: 0.1%	2,000 SH	Increased
Verizon Communications	COM	$621K	0.2%Prev: 0.2%	15,240 SH	Decreased-1,400 SH
W W Grainger Inc	COM	$247K	0.1%Prev: 0.1%	245 SH	Decreased-22 SH
Zimmer Biomet Holdings, Inc.	COM	$727K	0.2%Prev: 0.3%	8,080 SH	Decreased-4,768 SH

Sold (vs prior filing)

CDW Corporation — $987K
Fedex Corp — $1.1M
Ford Motor Co Del Par $0.01 — $148K
Marsh & McLennan Cos Inc — $1.4M
SPDR Portfolio Long Term Treasury ETF — $819K
SPDR Portfolio S&P 400 Mid Cap ETF — $13.3M
SPDR Portfolio Short Term Treasury ETF — $595K
SPDR S&P 500 ETF Trust — $1.9M
SYSCO Corp — $206K
Vanguard Mid-Cap ETF — $200K
Walmart Inc. — $284K

All filings

Open a filing on Jive Data

Filing Date	Quarter	Form	Accession	Portfolio	Filing
Jan 28, 2026	Q4 2025	13F-HR	0001104659-26-007427	$403.6M	View
Oct 24, 2025	Q3 2025	13F-HR	0001104659-25-102075	$403.5M	View
Jul 17, 2026	Q2 2026