CITIZENS & NORTHERN CORP

PublicCIK: 810958

CZNCNASDAQ

Location

WELLSBORO, PA

CITIZENS & NORTHERN CORP

Filed: 4/27/2026ACC: 0001104659-26-049177

📋 What this filing means

CITIZENS & NORTHERN CORP filed this quarterly 13F‑HR report disclosing 119 equity positions with a total reported market value of $401.00M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

119

Positions

$401.00M

Total AUM (reported)

5.12M

Total Shares

Allocation by class

COM$161.16M40.2%

VNG RUS1000GRW$42.19M10.5%

MSCI RL EST ETF$30.14M7.5%

NORTH AMERN NAT$29.57M7.4%

CORE MSCI EMKT$23.21M5.8%

CORE S&P MCP ETF$16.77M4.2%

STATE STREET SPD$15.81M3.9%

Portfolio Concentration

Top 3$101.90M25.4%

4–10$106.45M26.5%

11–25$85.58M21.3%

Rest$107.08M26.7%

Top 3 weight

25.4%

Top 10 weight

52.0%

Voting Authority Distribution

Total shares with voting rights: 5.12M

Sole

Full voting authority

5.12M

shares

% of voting shares100.0%

Shared

Joint voting authority

0.00

shares

% of voting shares0.0%

None

No voting authority

0.00

shares

% of voting shares0.0%

Investment Discretion (by position count)

Sole0

Shared0

Other119

Dominant voting typeSole · 100.0% of voting shares

Institutional Holdings119

Rows:

Vanguard Russell 1000 Growth ETF

DFND

VNG RUS1000GRW

Shares384.64K

TypeSH

Market value$42.19M

10.52%

Sole

384.64K

Shared

0.00

None

0.00

Fidelity MSCI Real Estate Index ETF

DFND

MSCI RL EST ETF

Shares1.12M

TypeSH

Market value$30.14M

7.52%

Sole

1.12M

Shared

0.00

None

0.00

iShares North American Natural Resources ETF

DFND

NORTH AMERN NAT

Shares469.77K

TypeSH

Market value$29.57M

7.37%

Sole

469.77K

Shared

0.00

None

0.00

iShares Core MSCI Emerging Mkts ETF

DFND

CORE MSCI EMKT

Shares332.75K

TypeSH

Market value$23.21M

5.79%

Sole

332.75K

Shared

0.00

None

0.00

iShares S&P MidCap 400 Index Fd

DFND

CORE S&P MCP ETF

Shares248.39K

TypeSH

Market value$16.77M

4.18%

Sole

248.39K

Shared

0.00

None

0.00

Nvidia Corp

DFND

COM

Shares82.89K

TypeSH

Market value$14.46M

3.60%

Sole

82.89K

Shared

0.00

None

0.00

State Street SPDR Portfolio S&P 400 Mid Cap ETF

DFND

STATE STREET SPD

Shares238.47K

TypeSH

Market value$14.12M

3.52%

Sole

238.47K

Shared

0.00

None

0.00

Apple Computer Inc

DFND

COM

Shares53.61K

TypeSH

Market value$13.61M

3.39%

Sole

53.61K

Shared

0.00

None

0.00

iShares JPMorgan USD Emerging Markets Bond ETF

DFND

JPMORGAN USD EMG

Shares135.93K

TypeSH

Market value$12.77M

3.18%

Sole

135.93K

Shared

0.00

None

0.00

Alphabet Inc Class C

DFND

CAP STK CL C

Shares40.15K

TypeSH

Market value$11.52M

2.87%

Sole

40.15K

Shared

0.00

None

0.00

Microsoft Corp

DFND

COM

Shares29.66K

TypeSH

Market value$10.98M

2.74%

Sole

29.66K

Shared

0.00

None

0.00

Dimensional U.S. Core Equity 2 ETF

DFND

US CORE EQUITY 2

Shares238.02K

TypeSH

Market value$9.25M

2.31%

Sole

238.02K

Shared

0.00

None

0.00

Amazon Communications Inc

DFND

COM

Shares39.10K

TypeSH

Market value$8.14M

2.03%

Sole

39.10K

Shared

0.00

None

0.00

Citizens & Northern Corp

DFND

COM

Shares359.85K

TypeSH

Market value$8.04M

2.00%

Sole

359.85K

Shared

0.00

None

0.00

Citizens Financial Services Inc

DFND

COM

Shares117.06K

TypeSH

Market value$7.16M

1.79%

Sole

117.06K

Shared

0.00

None

0.00

JPMorgan Chase & Co

DFND

COM

Shares20.20K

TypeSH

Market value$5.94M

1.48%

Sole

20.20K

Shared

0.00

None

0.00

Meta Platforms Inc

DFND

CL A

Shares9.98K

TypeSH

Market value$5.71M

1.42%

Sole

9.98K

Shared

0.00

None

0.00

Avantis International Equity ETF

DFND

INTL EQT ETF

Shares54.81K

TypeSH

Market value$4.65M

1.16%

Sole

54.81K

Shared

0.00

None

0.00

Exxon Mobil Corp

DFND

COM

Shares26.10K

TypeSH

Market value$4.43M

1.10%

Sole

26.10K

Shared

0.00

None

0.00

Costco Wholesale Corp (New)

DFND

COM

Shares4.30K

TypeSH

Market value$4.29M

1.07%

Sole

4.30K

Shared

0.00

None

0.00

Mastercard Inc Class A

DFND

CL A

Shares8.19K

TypeSH

Market value$4.09M

1.02%

Sole

8.19K

Shared

0.00

None

0.00

iShares Barclays MBS Bond Fund ETF

DFND

MBS ETF

Shares36.66K

TypeSH

Market value$3.48M

0.87%

Sole

36.66K

Shared

0.00

None

0.00

Caterpillar Inc

DFND

COM

Shares4.49K

TypeSH

Market value$3.18M

0.79%

Sole

4.49K

Shared

0.00

None

0.00

Analog Devices Inc

DFND

COM

Shares9.82K

TypeSH

Market value$3.12M

0.78%

Sole

9.82K

Shared

0.00

None

0.00

Advanced Micro Devices Inc

DFND

COM

Shares15.31K

TypeSH

Market value$3.12M

0.78%

Sole

15.31K

Shared

0.00

None

0.00

Issuer	Class	Shares	Type	Value / Portfolio %	Voting — Sole	Shared	None
Vanguard Russell 1000 Growth ETFDFND	VNG RUS1000GRW	384.64K	SH	$42.19M 10.52%	384.64K	0.00	0.00
Fidelity MSCI Real Estate Index ETFDFND	MSCI RL EST ETF	1.12M	SH	$30.14M 7.52%	1.12M	0.00	0.00
iShares North American Natural Resources ETFDFND	NORTH AMERN NAT	469.77K	SH	$29.57M 7.37%	469.77K	0.00	0.00
iShares Core MSCI Emerging Mkts ETFDFND	CORE MSCI EMKT	332.75K	SH	$23.21M 5.79%	332.75K	0.00	0.00
iShares S&P MidCap 400 Index FdDFND	CORE S&P MCP ETF	248.39K	SH	$16.77M 4.18%	248.39K	0.00	0.00
Nvidia CorpDFND	COM	82.89K	SH	$14.46M 3.60%	82.89K	0.00	0.00
State Street SPDR Portfolio S&P 400 Mid Cap ETFDFND	STATE STREET SPD	238.47K	SH	$14.12M 3.52%	238.47K	0.00	0.00
Apple Computer IncDFND	COM	53.61K	SH	$13.61M 3.39%	53.61K	0.00	0.00
iShares JPMorgan USD Emerging Markets Bond ETFDFND	JPMORGAN USD EMG	135.93K	SH	$12.77M 3.18%	135.93K	0.00	0.00
Alphabet Inc Class CDFND	CAP STK CL C	40.15K	SH	$11.52M 2.87%	40.15K	0.00	0.00
Microsoft CorpDFND	COM	29.66K	SH	$10.98M 2.74%	29.66K	0.00	0.00
Dimensional U.S. Core Equity 2 ETFDFND	US CORE EQUITY 2	238.02K	SH	$9.25M 2.31%	238.02K	0.00	0.00
Amazon Communications IncDFND	COM	39.10K	SH	$8.14M 2.03%	39.10K	0.00	0.00
Citizens & Northern CorpDFND	COM	359.85K	SH	$8.04M 2.00%	359.85K	0.00	0.00
Citizens Financial Services IncDFND	COM	117.06K	SH	$7.16M 1.79%	117.06K	0.00	0.00
JPMorgan Chase & CoDFND	COM	20.20K	SH	$5.94M 1.48%	20.20K	0.00	0.00
Meta Platforms IncDFND	CL A	9.98K	SH	$5.71M 1.42%	9.98K	0.00	0.00
Avantis International Equity ETFDFND	INTL EQT ETF	54.81K	SH	$4.65M 1.16%	54.81K	0.00	0.00
Exxon Mobil CorpDFND	COM	26.10K	SH	$4.43M 1.10%	26.10K	0.00	0.00
Costco Wholesale Corp (New)DFND	COM	4.30K	SH	$4.29M 1.07%	4.30K	0.00	0.00
Mastercard Inc Class ADFND	CL A	8.19K	SH	$4.09M 1.02%	8.19K	0.00	0.00
iShares Barclays MBS Bond Fund ETFDFND	MBS ETF	36.66K	SH	$3.48M 0.87%	36.66K	0.00	0.00
Caterpillar IncDFND	COM	4.49K	SH	$3.18M 0.79%	4.49K	0.00	0.00
Analog Devices IncDFND	COM	9.82K	SH	$3.12M 0.78%	9.82K	0.00	0.00
Advanced Micro Devices IncDFND	COM	15.31K	SH	$3.12M 0.78%	15.31K	0.00	0.00

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CITIZENS & NORTHERN CORP 13F Holdings — 119 Positions | Finecho