Q4 2025 · 13F-HR
CITIZENS & NORTHERN CORPholdings as filed
Filed 2026-01-28 · accession 0001104659-26-007427
$403.6M
Reported value
124
Positions
2025-12-31
Period end
Holdings as filed
| CUSIP | Ticker | Issuer | Value | % port. | Shares | Class | Voting |
|---|---|---|---|---|---|---|---|
| 92206C680 | VONG | Vanguard Russell 1000 Growth ETF | $44.8M | 11.1% | 367,716 | Common | SOLE |
| 316092857 | FREL | Fidelity MSCI Real Estate Index ETF | $29.2M | 7.24% | 1,087,071 | Common | SOLE |
| 464287374 | IGE | iShares North American Natural Resources ETF | $24.7M | 6.13% | 492,536 | Common | SOLE |
| 46434G103 | IEMG | iShares Core MSCI Emerging Mkts ETF | $22.3M | 5.52% | 331,668 | Common | SOLE |
| 464287507 | IJH | iShares S&P MidCap 400 Index Fd | $17.1M | 4.23% | 258,672 | Common | SOLE |
| 67066G104 | NVDA | Nvidia Corp | $15.3M | 3.78% | 81,880 | Common | SOLE |
| 037833100 | AAPL | Apple Computer Inc | $14.5M | 3.59% | 53,237 | Common | SOLE |
| 594918104 | MSFT | Microsoft Corp | $13.7M | 3.39% | 28,309 | Common | SOLE |
| 78464A847 | SPMD | State Street SPDR Portfolio S&P 400 Mid Cap ETF | $13.6M | 3.38% | 235,643 | Common | SOLE |
| 464288281 | EMB | iShares JPMorgan USD Emerging Markets Bond ETF | $12.7M | 3.15% | 132,225 | Common | SOLE |
| 02079K107 | GOOG | Alphabet Inc Class C | $12.7M | 3.15% | 40,453 | Common | SOLE |
| 25434V708 | DFAC | Dimensional U.S. Core Equity 2 ETF | $9.4M | 2.34% | 238,023 | Common | SOLE |
| 023135106 | AMZN | Amazon Communications Inc | $8.7M | 2.16% | 37,712 | Common | SOLE |
| 172922106 | CZNC | Citizens & Northern Corp | $7.3M | 1.81% | 361,412 | Common | SOLE |
| 174615104 | CZFS | Citizens Financial Services Inc | $6.7M | 1.65% | 117,063 | Common | SOLE |
| 46625H100 | JPM | JPMorgan Chase & Co | $6.5M | 1.60% | 20,091 | Common | SOLE |
| 30303M102 | META | Meta Platforms Inc | $5.8M | 1.44% | 8,780 | Common | SOLE |
| 025072703 | AVDE | Avantis International Equity ETF | $4.5M | 1.12% | 54,809 | Common | SOLE |
| 57636Q104 | MA | Mastercard Inc Class A | $4.5M | 1.11% | 7,877 | Common | SOLE |
| 22160K105 | COST | Costco Wholesale Corp (New) | $3.8M | 0.93% | 4,373 | Common | SOLE |
| 007903107 | AMD | Advanced Micro Devices Inc | $3.4M | 0.84% | 15,877 | Common | SOLE |
| 464288588 | MBB | iShares Barclays MBS Bond Fund ETF | $3.4M | 0.83% | 35,349 | Common | SOLE |
| 30231G102 | XOM | Exxon Mobil Corp | $3.2M | 0.79% | 26,338 | Common | SOLE |
| 68389X105 | ORCL | Oracle Corp | $2.8M | 0.70% | 14,504 | Common | SOLE |
| 742718109 | PG | Procter & Gamble Co | $2.7M | 0.66% | 18,566 | Common | SOLE |
| 872540109 | TJX | Tjx Companies (New) | $2.6M | 0.64% | 16,856 | Common | SOLE |
| 002824100 | ABT | Abbott Labs | $2.6M | 0.64% | 20,562 | Common | SOLE |
| 75513E101 | RTX | RTX Corporation | $2.5M | 0.63% | 13,774 | Common | SOLE |
| 17275R102 | CSCO | Cisco Systems Inc | $2.5M | 0.62% | 32,735 | Common | SOLE |
| 032654105 | ADI | Analog Devices Inc | $2.5M | 0.62% | 9,288 | Common | SOLE |
| 149123101 | CAT | Caterpillar Inc | $2.4M | 0.60% | 4,214 | Common | SOLE |
| 03073E105 | COR | Cencora, Inc. | $2.4M | 0.59% | 7,045 | Common | SOLE |
| 09260D107 | BX | Blackstone Inc | $2.4M | 0.58% | 15,280 | Common | SOLE |
| 11135F101 | AVGO | Broadcom Inc Common | $2.3M | 0.58% | 6,719 | Common | SOLE |
| 79466L302 | CRM | Salesforce, Inc. | $2.2M | 0.56% | 8,467 | Common | SOLE |
| 126650100 | CVS | CVS Health Corporation | $2.1M | 0.53% | 26,828 | Common | SOLE |
| 808513105 | SCHW | Charles Schwab Corp | $2.1M | 0.53% | 21,271 | Common | SOLE |
| 655844108 | NSC | Norfolk Southern Corp | $2.0M | 0.49% | 6,836 | Common | SOLE |
| 78462F103 | SPY | State Street SPDR S&P 500 ETF Trust | $2.0M | 0.49% | 2,877 | Common | SOLE |
| 097023105 | BA | Boeing Co | $1.9M | 0.48% | 8,980 | Common | SOLE |
| 37733W204 | GSK | GSK PLC ADR | $1.9M | 0.48% | 39,595 | Common | SOLE |
| 437076102 | HD | Home Depot Inc | $1.9M | 0.48% | 5,601 | Common | SOLE |
| 219350105 | GLW | Corning Inc | $1.9M | 0.47% | 21,734 | Common | SOLE |
| 369550108 | GD | General Dynamics Corp | $1.8M | 0.45% | 5,408 | Common | SOLE |
| 48251W104 | KKR | KKR & Co Inc | $1.8M | 0.45% | 14,168 | Common | SOLE |
| 478160104 | JNJ | Johnson & Johnson | $1.7M | 0.42% | 8,196 | Common | SOLE |
| 191216100 | KO | Coca Cola Co | $1.6M | 0.41% | 23,393 | Common | SOLE |
| 172967424 | C | Citigroup Inc Common New | $1.6M | 0.40% | 13,930 | Common | SOLE |
| 70450Y103 | PYPL | Paypal Holdings, Inc. | $1.6M | 0.40% | 27,351 | Common | SOLE |
| 03027X100 | AMT | American Tower REIT Inc | $1.6M | 0.39% | 9,061 | Common | SOLE |
| 025072885 | AVUS | Avantis US Equity ETF | $1.5M | 0.38% | 13,829 | Common | SOLE |
| G1151C101 | ACN | Accenture PLC | $1.5M | 0.37% | 5,588 | Common | SOLE |
| 64110L106 | NFLX | Netflix Inc Corp | $1.5M | 0.36% | 15,633 | Common | SOLE |
| 254687106 | DIS | Disney Walt Co | $1.5M | 0.36% | 12,788 | Common | SOLE |
| G29183103 | ETN | Eaton Corp | $1.4M | 0.36% | 4,507 | Common | SOLE |
| 169656105 | CMG | Chipotle Mexican Grill Inc Corp Common | $1.4M | 0.35% | 38,035 | Common | SOLE |
| 81762P102 | NOW | Servicenow Inc | $1.4M | 0.35% | 9,127 | Common | SOLE |
| 65339F101 | NEE | Nextera Energy Inc | $1.4M | 0.34% | 17,340 | Common | SOLE |
| 697435105 | PANW | Palo Alto Networks Inc Common | $1.4M | 0.34% | 7,509 | Common | SOLE |
| 45866F104 | ICE | Intercontinental Exchange Inc Common | $1.3M | 0.33% | 8,324 | Common | SOLE |
| 00724F101 | ADBE | Adobe Systems Inc | $1.3M | 0.33% | 3,840 | Common | SOLE |
| 806857108 | SLB | SLB Limited | $1.3M | 0.33% | 34,819 | Common | SOLE |
| 291011104 | EMR | Emerson Electric Co | $1.3M | 0.33% | 9,993 | Common | SOLE |
| 461202103 | INTU | Intuit | $1.3M | 0.33% | 2,001 | Common | SOLE |
| 609207105 | MDLZ | Mondelez Intl Inc Class A | $1.3M | 0.32% | 24,204 | Common | SOLE |
| 78467X109 | DIA | SPDR Dow Jones Industrial Average ETF Trust | $1.2M | 0.30% | 2,543 | Common | SOLE |
| 09062X103 | BIIB | Biogen Idec Inc | $1.2M | 0.30% | 6,912 | Common | SOLE |
| 571748102 | MRSH | Marsh | $1.2M | 0.30% | 6,509 | Common | SOLE |
| 717081103 | PFE | Pfizer Inc | $1.2M | 0.30% | 47,977 | Common | SOLE |
| 166764100 | CVX | Chevron Corp | $1.2M | 0.29% | 7,716 | Common | SOLE |
| 907818108 | UNP | Union Pacific Corp | $1.2M | 0.29% | 5,044 | Common | SOLE |
| 92203J407 | BNDX | Vanguard Total International Bond Index Fund ETF | $1.2M | 0.29% | 24,121 | Common | SOLE |
| 26875P101 | EOG | EOG Resources, Inc. | $1.1M | 0.28% | 10,726 | Common | SOLE |
| 654106103 | NKE | Nike, Inc. Class B | $1.1M | 0.27% | 17,005 | Common | SOLE |
| 876030107 | TPR | Tapestry Inc Common | $1.1M | 0.27% | 8,383 | Common | SOLE |
| 464287614 | IWF | iShares Trust Russell 1000 Growth ETF | $1.1M | 0.26% | 2,254 | Common | SOLE |
| 14448C104 | CARR | Carrier Global Corp | $1.0M | 0.26% | 19,638 | Common | SOLE |
| 110122108 | BMY | Bristol Myers Squibb Co | $1.0M | 0.25% | 19,051 | Common | SOLE |
| 580135101 | MCD | McDonalds Corp | $944,397 | 0.23% | 3,090 | Common | SOLE |
| 35671D857 | FCX | Freeport-McMoran, Inc. | $914,169 | 0.23% | 17,999 | Common | SOLE |
| 26614N102 | DD | DuPont de Nemours Inc | $889,184 | 0.22% | 22,119 | Common | SOLE |
| 464288513 | HYG | iShares iBoxx $ High Yield Corp Bond ETF | $872,578 | 0.22% | 10,822 | Common | SOLE |
| 459200101 | IBM | International Business Machines | $838,867 | 0.21% | 2,832 | Common | SOLE |
| 075887109 | BDX | Becton, Dickinson & Co. | $821,886 | 0.20% | 4,235 | Common | SOLE |
| 78464A664 | SPTL | State Street SPDR Portfolio Long Term Treasury ETF | $804,582 | 0.20% | 30,396 | Common | SOLE |
| 78468R101 | SPTS | State Street SPDR Portfolio Short Term Treasury ETF | $788,657 | 0.20% | 26,935 | Common | SOLE |
| 025072604 | AVEM | Avantis Emerging Markets Equity ETF | $781,214 | 0.19% | 10,143 | Common | SOLE |
| 55261F104 | MTB | M & T Bank Corp | $733,790 | 0.18% | 3,642 | Common | SOLE |
| 084670702 | BRK/B | Berkshire Hathaway Inc Class B New | $731,858 | 0.18% | 1,456 | Common | SOLE |
| 98956P102 | ZBH | Zimmer Biomet Holdings, Inc. | $726,554 | 0.18% | 8,080 | Common | SOLE |
| 464287598 | IWD | iShares Russell 1000 Value ETF | $637,120 | 0.16% | 3,029 | Common | SOLE |
| 464288158 | SUB | iShares Short-Term National Muni Bond ETF | $632,624 | 0.16% | 5,929 | Common | SOLE |
| 921908844 | VIG | Vanguard Dividend Appreciation Index ETF | $629,889 | 0.16% | 2,866 | Common | SOLE |
| 92343V104 | VZ | Verizon Communications | $620,725 | 0.15% | 15,240 | Common | SOLE |
| 25434V799 | DFIC | DFA Dimensional International Core Equity 2 ETF | $597,054 | 0.15% | 17,326 | Common | SOLE |
| 464287176 | TIP | iShares Barclays TIPS Bond Fund | $593,954 | 0.15% | 5,404 | Common | SOLE |
| 776696106 | ROP | Roper Industries Inc New | $496,320 | 0.12% | 1,115 | Common | SOLE |
| 452308109 | ITW | Illinois Tool Works Inc | $467,477 | 0.12% | 1,898 | Common | SOLE |
| 070830104 | BBWI | Bath & Body Works | $439,170 | 0.11% | 21,871 | Common | SOLE |
| 25434V732 | DFEM | DFA Dimensional Emerging Markets Core Equity 2 ETF | $424,516 | 0.11% | 12,833 | Common | SOLE |
| 00206R102 | T | AT&T Inc | $423,199 | 0.10% | 17,037 | Common | SOLE |
| 81369Y209 | XLV | Health Care Select Sector SPDR ETF | $411,613 | 0.10% | 2,659 | Common | SOLE |
| 244199105 | DE | Deere & Co | $409,702 | 0.10% | 880 | Common | SOLE |
| 464288810 | IHI | iShares Dow Jones US Med Devices Index | $384,025 | 0.10% | 6,179 | Common | SOLE |
| 464287200 | IVV | iShares Core S&P 500 ETF | $376,717 | 0.09% | 550 | Common | SOLE |
| 438516106 | HON | Honeywell Intl Inc | $362,087 | 0.09% | 1,856 | Common | SOLE |
| 532457108 | LLY | Eli Lilly & Co | $338,524 | 0.08% | 315 | Common | SOLE |
| 20030N101 | CMCSA | Comcast Corp Class A | $329,687 | 0.08% | 11,030 | Common | SOLE |
| 636180101 | NFG | National Fuel Gas Co N J | $321,201 | 0.08% | 4,012 | Common | SOLE |
| 231021106 | CMI | Cummins Inc | $306,270 | 0.08% | 600 | Common | SOLE |
| 922042742 | VT | Vanguard Total World Stock Index Fund ETF | $282,120 | 0.07% | 2,000 | Common | SOLE |
| 02079K305 | GOOGL | Alphabet Inc Class A | $278,570 | 0.07% | 890 | Common | SOLE |
| 81369Y407 | XLY | Consumer Discretionary Select Sector SPDR | $269,867 | 0.07% | 2,260 | Common | SOLE |
| 74834L100 | DGX | Quest Diagnostics Inc | $268,972 | 0.07% | 1,550 | Common | SOLE |
| 548661107 | LOW | Lowes Cos Inc | $266,482 | 0.07% | 1,105 | Common | SOLE |
| 773903109 | ROK | Rockwell Automation Inc Common | $259,121 | 0.06% | 666 | Common | SOLE |
| 384802104 | GWW | W W Grainger Inc | $247,217 | 0.06% | 245 | Common | SOLE |
| 09290D101 | BLK | Blackrock Funding Inc | $237,615 | 0.06% | 222 | Common | SOLE |
| 922908553 | VNQ | Vanguard REIT Index ETF | $237,419 | 0.06% | 2,683 | Common | SOLE |
| 33939L670 | BNDC | FlexShares Core Select Bond Fund ETF | $232,997 | 0.06% | 10,418 | Common | SOLE |
| 89832Q109 | TFC | Truist Financial Corporation | $232,616 | 0.06% | 4,727 | Common | SOLE |
| 406216101 | HAL | Halliburton Co | $232,354 | 0.06% | 8,222 | Common | SOLE |
| 922907746 | VTEB | Vanguard Tax-Exempt Bond Index ETF | $226,456 | 0.06% | 4,503 | Common | SOLE |
| 743315103 | PGR | Progressive Corp Ohio common | $210,641 | 0.05% | 925 | 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.