Q3 2025 · 13F-HR
CITIZENS & NORTHERN CORPholdings as filed
Filed 2025-10-24 · accession 0001104659-25-102075
$403.5M
Reported value
121
Positions
2025-09-30
Period end
Holdings as filed
| CUSIP | Ticker | Issuer | Value | % port. | Shares | Class | Voting |
|---|---|---|---|---|---|---|---|
| 92206C680 | VONG | Vanguard Russell 1000 Growth ETF | $47.8M | 11.8% | 396,768 | Common | SOLE |
| 464287374 | IGE | iShares North American Natural Resources ETF | $24.3M | 6.02% | 495,504 | Common | SOLE |
| 46434G103 | IEMG | iShares Core MSCI Emerging Mkts ETF | $23.5M | 5.83% | 356,787 | Common | SOLE |
| 316092857 | FREL | Fidelity MSCI Real Estate Index ETF | $22.9M | 5.67% | 822,330 | Common | SOLE |
| 464287507 | IJH | iShares S&P MidCap 400 Index Fd | $16.9M | 4.18% | 258,315 | Common | SOLE |
| 67066G104 | NVDA | Nvidia Corp | $16.4M | 4.07% | 88,031 | Common | SOLE |
| 594918104 | MSFT | Microsoft Corp | $16.2M | 4.01% | 31,231 | Common | SOLE |
| 037833100 | AAPL | Apple Computer Inc | $14.7M | 3.65% | 57,868 | Common | SOLE |
| 78464A847 | SPMD | SPDR Portfolio S&P 400 Mid Cap ETF | $13.3M | 3.29% | 232,382 | Common | SOLE |
| 464288281 | EMB | iShares JPMorgan USD Emerging Markets Bond ETF | $12.4M | 3.08% | 130,662 | Common | SOLE |
| 02079K107 | GOOG | Alphabet Inc Class C | $11.0M | 2.73% | 45,184 | Common | SOLE |
| 25434V708 | DFAC | Dimensional U.S. Core Equity 2 ETF | $9.0M | 2.22% | 232,401 | Common | SOLE |
| 023135106 | AMZN | Amazon Communications Inc | $8.8M | 2.18% | 39,998 | Common | SOLE |
| 46625H100 | JPM | JPMorgan Chase & Co | $7.8M | 1.93% | 24,674 | Common | SOLE |
| 174615104 | CZFS | Citizens Financial Services Inc | $7.1M | 1.75% | 117,081 | Common | SOLE |
| 30303M102 | META | Meta Platforms Inc | $6.4M | 1.59% | 8,713 | Common | SOLE |
| 172922106 | CZNC | Citizens & Northern Corp | $6.4M | 1.58% | 321,089 | Common | SOLE |
| 57636Q104 | MA | Mastercard Inc Class A | $4.7M | 1.15% | 8,176 | Common | SOLE |
| 22160K105 | COST | Costco Wholesale Corp (New) | $4.3M | 1.05% | 4,594 | Common | SOLE |
| 68389X105 | ORCL | Oracle Corp | $4.1M | 1.01% | 14,484 | Common | SOLE |
| 025072703 | AVDE | Avantis International Equity ETF | $4.0M | 1.00% | 51,058 | Common | SOLE |
| 464288588 | MBB | iShares Barclays MBS Bond Fund ETF | $3.3M | 0.81% | 34,380 | Common | SOLE |
| 30231G102 | XOM | Exxon Mobil Corp | $3.1M | 0.77% | 27,555 | Common | SOLE |
| 002824100 | ABT | Abbott Labs | $2.9M | 0.73% | 21,875 | Common | SOLE |
| 742718109 | PG | Procter & Gamble Co | $2.9M | 0.71% | 18,756 | Common | SOLE |
| 655844108 | NSC | Norfolk Southern Corp | $2.9M | 0.71% | 9,550 | Common | SOLE |
| 437076102 | HD | Home Depot Inc | $2.7M | 0.66% | 6,579 | Common | SOLE |
| 09260D107 | BX | Blackstone Inc | $2.7M | 0.66% | 15,602 | Common | SOLE |
| 007903107 | AMD | Advanced Micro Devices Inc | $2.6M | 0.64% | 15,985 | Common | SOLE |
| 369550108 | GD | General Dynamics Corp | $2.6M | 0.64% | 7,542 | Common | SOLE |
| 872540109 | TJX | Tjx Companies (New) | $2.5M | 0.63% | 17,457 | Common | SOLE |
| 03073E105 | COR | Cencora, Inc. | $2.3M | 0.58% | 7,451 | Common | SOLE |
| 17275R102 | CSCO | Cisco Systems Inc | $2.3M | 0.58% | 34,033 | Common | SOLE |
| 11135F101 | AVGO | Broadcom Inc Common | $2.2M | 0.53% | 6,523 | Common | SOLE |
| 126650100 | CVS | CVS Health Corporation | $2.1M | 0.53% | 28,256 | Common | SOLE |
| 808513105 | SCHW | Charles Schwab Corp | $2.1M | 0.52% | 22,098 | Common | SOLE |
| 79466L302 | CRM | Salesforce, Inc. | $2.1M | 0.52% | 8,850 | Common | SOLE |
| 609207105 | MDLZ | Mondelez Intl Inc Class A | $2.0M | 0.49% | 31,559 | Common | SOLE |
| 438516106 | HON | Honeywell Intl Inc | $1.9M | 0.48% | 9,209 | Common | SOLE |
| 169656105 | CMG | Chipotle Mexican Grill Inc Corp Common | $1.9M | 0.47% | 48,140 | Common | SOLE |
| 75513E101 | RTX | RTX Corporation | $1.9M | 0.47% | 11,271 | Common | SOLE |
| 78462F103 | SPY | SPDR S&P 500 ETF Trust | $1.9M | 0.46% | 2,793 | Common | SOLE |
| 03027X100 | AMT | American Tower REIT Inc | $1.8M | 0.45% | 9,352 | Common | SOLE |
| 37733W204 | GSK | GSK PLC ADR | $1.8M | 0.44% | 41,530 | Common | SOLE |
| 032654105 | ADI | Analog Devices Inc | $1.7M | 0.43% | 7,116 | Common | SOLE |
| G29183103 | ETN | Eaton Corp | $1.7M | 0.42% | 4,582 | Common | SOLE |
| 81762P102 | NOW | Servicenow Inc | $1.7M | 0.42% | 1,856 | Common | SOLE |
| 191216100 | KO | Coca Cola Co | $1.6M | 0.40% | 24,453 | Common | SOLE |
| 219350105 | GLW | Corning Inc | $1.6M | 0.40% | 19,658 | Common | SOLE |
| 697435105 | PANW | Palo Alto Networks Inc Common | $1.6M | 0.39% | 7,715 | Common | SOLE |
| 89832Q109 | TFC | Truist Financial Corporation | $1.6M | 0.39% | 34,348 | Common | SOLE |
| 09290D101 | BLK | Blackrock Funding Inc | $1.5M | 0.38% | 1,314 | Common | SOLE |
| 478160104 | JNJ | Johnson & Johnson | $1.5M | 0.38% | 8,245 | Common | SOLE |
| 254687106 | DIS | Disney Walt Co | $1.5M | 0.37% | 13,134 | Common | SOLE |
| 025072885 | AVUS | Avantis US Equity ETF | $1.5M | 0.37% | 13,829 | Common | SOLE |
| 70450Y103 | PYPL | Paypal Holdings, Inc. | $1.5M | 0.37% | 22,206 | Common | SOLE |
| 45866F104 | ICE | Intercontinental Exchange Inc Common | $1.5M | 0.36% | 8,612 | Common | SOLE |
| 00724F101 | ADBE | Adobe Systems Inc | $1.4M | 0.36% | 4,065 | Common | SOLE |
| 20030N101 | CMCSA | Comcast Corp Class A | $1.4M | 0.35% | 45,149 | Common | SOLE |
| G1151C101 | ACN | Accenture PLC | $1.4M | 0.35% | 5,724 | Common | SOLE |
| 097023105 | BA | Boeing Co | $1.4M | 0.34% | 6,331 | Common | SOLE |
| 65339F101 | NEE | Nextera Energy Inc | $1.4M | 0.34% | 18,099 | Common | SOLE |
| 571748102 | MRSH | Marsh & McLennan Cos Inc | $1.4M | 0.34% | 6,728 | Common | SOLE |
| 717081103 | PFE | Pfizer Inc | $1.3M | 0.31% | 49,753 | Common | SOLE |
| 98956P102 | ZBH | Zimmer Biomet Holdings, Inc. | $1.3M | 0.31% | 12,848 | Common | SOLE |
| 075887109 | BDX | Becton, Dickinson & Co. | $1.3M | 0.31% | 6,756 | Common | SOLE |
| 806857108 | SLB | SLB Limited | $1.2M | 0.31% | 36,247 | Common | SOLE |
| 166764100 | CVX | Chevron Corp | $1.2M | 0.30% | 7,842 | Common | SOLE |
| 14448C104 | CARR | Carrier Global Corp | $1.2M | 0.30% | 20,194 | Common | SOLE |
| 907818108 | UNP | Union Pacific Corp | $1.2M | 0.30% | 5,044 | Common | SOLE |
| 78467X109 | DIA | SPDR Dow Jones Industrial Average ETF Trust | $1.2M | 0.29% | 2,543 | Common | SOLE |
| 654106103 | NKE | Nike, Inc. Class B | $1.2M | 0.29% | 16,798 | Common | SOLE |
| 92203J407 | BNDX | Vanguard Total International Bond Index Fund ETF | $1.1M | 0.28% | 22,612 | Common | SOLE |
| 31428X106 | FDX | Fedex Corp | $1.1M | 0.26% | 4,518 | Common | SOLE |
| 26875P101 | EOG | EOG Resources, Inc. | $1.0M | 0.25% | 8,947 | Common | SOLE |
| 464287614 | IWF | iShares Trust Russell 1000 Growth ETF | $1.0M | 0.25% | 2,136 | Common | SOLE |
| 12514G108 | CDW | CDW Corporation | $986,899 | 0.24% | 6,196 | Common | SOLE |
| 09062X103 | BIIB | Biogen Idec Inc | $980,000 | 0.24% | 6,996 | Common | SOLE |
| 580135101 | MCD | McDonalds Corp | $964,243 | 0.24% | 3,173 | Common | SOLE |
| 070830104 | BBWI | Bath & Body Works | $915,974 | 0.23% | 35,558 | Common | SOLE |
| 26614N102 | DD | DuPont de Nemours Inc | $893,825 | 0.22% | 11,474 | Common | SOLE |
| 110122108 | BMY | Bristol Myers Squibb Co | $884,186 | 0.22% | 19,605 | Common | SOLE |
| 921908844 | VIG | Vanguard Dividend Appreciation Index ETF | $863,376 | 0.21% | 4,001 | Common | SOLE |
| 78464A664 | SPTL | SPDR Portfolio Long Term Treasury ETF | $819,172 | 0.20% | 30,396 | Common | SOLE |
| 459200101 | IBM | International Business Machines | $806,695 | 0.20% | 2,859 | Common | SOLE |
| 084670702 | BRK/B | Berkshire Hathaway Inc Class B New | $766,176 | 0.19% | 1,524 | Common | SOLE |
| 025072604 | AVEM | Avantis Emerging Markets Equity ETF | $761,841 | 0.19% | 10,143 | Common | SOLE |
| 92343V104 | VZ | Verizon Communications | $731,328 | 0.18% | 16,640 | Common | SOLE |
| 35671D857 | FCX | Freeport-McMoran, Inc. | $714,549 | 0.18% | 18,219 | Common | SOLE |
| 406216101 | HAL | Halliburton Co | $685,799 | 0.17% | 27,878 | Common | SOLE |
| 55261F104 | MTB | M & T Bank Corp | $668,746 | 0.17% | 3,384 | Common | SOLE |
| 464288158 | SUB | iShares Short-Term National Muni Bond ETF | $633,099 | 0.16% | 5,929 | Common | SOLE |
| 78468R101 | SPTS | SPDR Portfolio Short Term Treasury ETF | $595,020 | 0.15% | 20,294 | Common | SOLE |
| 464287598 | IWD | iShares Russell 1000 Value ETF | $573,920 | 0.14% | 2,819 | Common | SOLE |
| 464287176 | TIP | iShares Barclays TIPS Bond Fund | $571,003 | 0.14% | 5,134 | Common | SOLE |
| 464288513 | HYG | iShares iBoxx $ High Yield Corp Bond ETF | $569,873 | 0.14% | 7,019 | Common | SOLE |
| 25434V799 | DFIC | DFA Dimensional International Core Equity 2 ETF | $568,120 | 0.14% | 17,326 | Common | SOLE |
| 776696106 | ROP | Roper Industries Inc New | $556,039 | 0.14% | 1,115 | Common | SOLE |
| 149123101 | CAT | Caterpillar Inc | $539,180 | 0.13% | 1,130 | Common | SOLE |
| 452308109 | ITW | Illinois Tool Works Inc | $489,186 | 0.12% | 1,876 | Common | SOLE |
| 00206R102 | T | AT&T Inc | $481,125 | 0.12% | 17,037 | Common | SOLE |
| 244199105 | DE | Deere & Co | $405,132 | 0.10% | 886 | Common | SOLE |
| 636180101 | NFG | National Fuel Gas Co N J | $370,588 | 0.09% | 4,012 | Common | SOLE |
| 25434V732 | DFEM | DFA Dimensional Emerging Markets Core Equity 2 ETF | $350,301 | 0.09% | 10,923 | Common | SOLE |
| 464287200 | IVV | iShares Core S&P 500 ETF | $342,682 | 0.08% | 512 | Common | SOLE |
| 74834L100 | DGX | Quest Diagnostics Inc | $299,973 | 0.07% | 1,574 | Common | SOLE |
| 931142103 | WMT | Walmart Inc. | $284,446 | 0.07% | 2,760 | Common | SOLE |
| 548661107 | LOW | Lowes Cos Inc | $282,975 | 0.07% | 1,126 | Common | SOLE |
| 922042742 | VT | Vanguard Total World Stock Index Fund ETF | $275,600 | 0.07% | 2,000 | Common | SOLE |
| 384802104 | GWW | W W Grainger Inc | $254,440 | 0.06% | 267 | Common | SOLE |
| 231021106 | CMI | Cummins Inc | $253,422 | 0.06% | 600 | Common | SOLE |
| 922908553 | VNQ | Vanguard REIT Index ETF | $245,280 | 0.06% | 2,683 | Common | SOLE |
| 33939L670 | BNDC | FlexShares Core Select Bond Fund ETF | $237,660 | 0.06% | 10,565 | Common | SOLE |
| 02079K305 | GOOGL | Alphabet Inc Class A | $234,592 | 0.06% | 965 | Common | SOLE |
| 773903109 | ROK | Rockwell Automation Inc Common | $232,787 | 0.06% | 666 | Common | SOLE |
| 922907746 | VTEB | Vanguard Tax-Exempt Bond Index ETF | $227,618 | 0.06% | 4,546 | Common | SOLE |
| 532457108 | LLY | Eli Lilly & Co | $215,166 | 0.05% | 282 | Common | SOLE |
| 743315103 | PGR | Progressive Corp Ohio common | $211,883 | 0.05% | 858 | Common | SOLE |
| 871829107 | SYY | SYSCO Corp | $206,344 | 0.05% | 2,506 | Common | SOLE |
| 922908629 | VO | Vanguard Mid-Cap ETF | $200,037 | 0.05% | 681 | Common | SOLE |
| 345370860 | F | Ford Motor Co Del Par $0.01 | $147,981 | 0.04% | 12,373 | Common | SOLE |
Source: SEC EDGAR · raw 13F holdings as filed. The Class column shows the option type when reported (Put/Call) or Common when the issuer's equity is held directly. 13F discloses long positions only.