Filed: 7/17/2026ACC: 0001104659-26-084554
📋 What this filing means
CITIZENS & NORTHERN CORP filed this quarterly 13F‑HR report disclosing 117 equity positions with a total reported market value of $437.70M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.
117
Positions
$437.70M
Total AUM (reported)
4.91M
Total Shares
Allocation by class
COM$181.35M41.4%
VNG RUS1000GRW$59.07M13.5%
CORE MSCI EMKT$28.18M6.4%
MSCI RL EST ETF$27.94M6.4%
NORTH AMERN NAT$24.04M5.5%
CORE S&P MCP ETF$16.78M3.8%
ST STR P400MID$14.06M3.2%
Portfolio Concentration
Top 3$115.19M26.3%
4–10$113.54M25.9%
11–25$96.35M22.0%
Rest$112.62M25.7%
Top 3 weight
26.3%
Top 10 weight
52.3%
Voting Authority Distribution
Total shares with voting rights: 4.91M
Sole
Full voting authority
4.91M
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
Other117
Dominant voting typeSole · 100.0% of voting shares
Institutional Holdings117
Rows:
Vanguard Russell 1000 Growth ETF
DFNDShares462.18K
TypeSH
Market value$59.07M
13.50%
Sole
462.18K
Shared
0.00
None
0.00
iShares Core MSCI Emerging Mkts ETF
DFNDShares340.14K
TypeSH
Market value$28.18M
6.44%
Sole
340.14K
Shared
0.00
None
0.00
Fidelity MSCI Real Estate Index ETF
DFNDShares953.63K
TypeSH
Market value$27.94M
6.38%
Sole
953.63K
Shared
0.00
None
0.00
iShares North American Natural Resources ETF
DFNDShares427.92K
TypeSH
Market value$24.04M
5.49%
Sole
427.92K
Shared
0.00
None
0.00
iShares S&P MidCap 400 Index Fd
DFNDShares217.64K
TypeSH
Market value$16.78M
3.83%
Sole
217.64K
Shared
0.00
None
0.00
Nvidia Corp
DFNDShares82K
TypeSH
Market value$16.41M
3.75%
Sole
82K
Shared
0.00
None
0.00
Apple Computer Inc
DFNDShares53.52K
TypeSH
Market value$15.49M
3.54%
Sole
53.52K
Shared
0.00
None
0.00
State Street SPDR Portfolio S&P 400 Mid Cap ETF
DFNDShares208.14K
TypeSH
Market value$14.06M
3.21%
Sole
208.14K
Shared
0.00
None
0.00
Alphabet Inc Class C
DFNDShares39.45K
TypeSH
Market value$13.94M
3.18%
Sole
39.45K
Shared
0.00
None
0.00
iShares JPMorgan USD Emerging Markets Bond ETF
DFNDShares132.94K
TypeSH
Market value$12.82M
2.93%
Sole
132.94K
Shared
0.00
None
0.00
Microsoft Corp
DFNDShares29.14K
TypeSH
Market value$10.87M
2.48%
Sole
29.14K
Shared
0.00
None
0.00
Dimensional U.S. Core Equity 2 ETF
DFNDShares238.02K
TypeSH
Market value$10.56M
2.41%
Sole
238.02K
Shared
0.00
None
0.00
Amazon Communications Inc
DFNDShares37.83K
TypeSH
Market value$9.02M
2.06%
Sole
37.83K
Shared
0.00
None
0.00
Citizens Financial Services Inc
DFNDShares117.06K
TypeSH
Market value$8.48M
1.94%
Sole
117.06K
Shared
0.00
None
0.00
Citizens & Northern Corp
DFNDShares349.49K
TypeSH
Market value$8.15M
1.86%
Sole
349.49K
Shared
0.00
None
0.00
Advanced Micro Devices Inc
DFNDShares12.72K
TypeSH
Market value$7.39M
1.69%
Sole
12.72K
Shared
0.00
None
0.00
JPMorgan Chase & Co
DFNDShares17.80K
TypeSH
Market value$5.83M
1.33%
Sole
17.80K
Shared
0.00
None
0.00
Corning Inc
DFNDShares19.66K
TypeSH
Market value$5.02M
1.15%
Sole
19.66K
Shared
0.00
None
0.00
Meta Platforms Inc
DFNDShares8.79K
TypeSH
Market value$4.95M
1.13%
Sole
8.79K
Shared
0.00
None
0.00
Avantis International Equity ETF
DFNDShares54.81K
TypeSH
Market value$4.89M
1.12%
Sole
54.81K
Shared
0.00
None
0.00
Broadcom Inc Common
DFNDShares12.69K
TypeSH
Market value$4.79M
1.10%
Sole
12.69K
Shared
0.00
None
0.00
Wells Fargo & Co New
DFNDShares51.76K
TypeSH
Market value$4.28M
0.98%
Sole
51.76K
Shared
0.00
None
0.00
Caterpillar Inc
DFNDShares3.85K
TypeSH
Market value$4.10M
0.94%
Sole
3.85K
Shared
0.00
None
0.00
Mastercard Inc Class A
DFNDShares7.84K
TypeSH
Market value$4.03M
0.92%
Sole
7.84K
Shared
0.00
None
0.00
Costco Wholesale Corp (New)
DFNDShares4.29K
TypeSH
Market value$4.01M
0.92%
Sole
4.29K
Shared
0.00
None
0.00
| Issuer | Class | Shares | Type | Value / Portfolio % | Voting — Sole | Shared | None |
|---|---|---|---|---|---|---|---|
Vanguard Russell 1000 Growth ETFDFND | VNG RUS1000GRW | 462.18K | SH | $59.07M 13.50% | 462.18K | 0.00 | 0.00 |
iShares Core MSCI Emerging Mkts ETFDFND | CORE MSCI EMKT | 340.14K | SH | $28.18M 6.44% | 340.14K | 0.00 | 0.00 |
Fidelity MSCI Real Estate Index ETFDFND | MSCI RL EST ETF | 953.63K | SH | $27.94M 6.38% | 953.63K | 0.00 | 0.00 |
iShares North American Natural Resources ETFDFND | NORTH AMERN NAT | 427.92K | SH | $24.04M 5.49% | 427.92K | 0.00 | 0.00 |
iShares S&P MidCap 400 Index FdDFND | CORE S&P MCP ETF | 217.64K | SH | $16.78M 3.83% | 217.64K | 0.00 | 0.00 |
Nvidia CorpDFND | COM | 82K | SH | $16.41M 3.75% | 82K | 0.00 | 0.00 |
Apple Computer IncDFND | COM | 53.52K | SH | $15.49M 3.54% | 53.52K | 0.00 | 0.00 |
State Street SPDR Portfolio S&P 400 Mid Cap ETFDFND | ST STR P400MID | 208.14K | SH | $14.06M 3.21% | 208.14K | 0.00 | 0.00 |
Alphabet Inc Class CDFND | CAP STK CL C | 39.45K | SH | $13.94M 3.18% | 39.45K | 0.00 | 0.00 |
iShares JPMorgan USD Emerging Markets Bond ETFDFND | JPMORGAN USD EMG | 132.94K | SH | $12.82M 2.93% | 132.94K | 0.00 | 0.00 |
Microsoft CorpDFND | COM | 29.14K | SH | $10.87M 2.48% | 29.14K | 0.00 | 0.00 |
Dimensional U.S. Core Equity 2 ETFDFND | US COR EQU 2 ETF | 238.02K | SH | $10.56M 2.41% | 238.02K | 0.00 | 0.00 |
Amazon Communications IncDFND | COM | 37.83K | SH | $9.02M 2.06% | 37.83K | 0.00 | 0.00 |
Citizens Financial Services IncDFND | COM | 117.06K | SH | $8.48M 1.94% | 117.06K | 0.00 | 0.00 |
Citizens & Northern CorpDFND | COM | 349.49K | SH | $8.15M 1.86% | 349.49K | 0.00 | 0.00 |
Advanced Micro Devices IncDFND | COM | 12.72K | SH | $7.39M 1.69% | 12.72K | 0.00 | 0.00 |
JPMorgan Chase & CoDFND | COM | 17.80K | SH | $5.83M 1.33% | 17.80K | 0.00 | 0.00 |
Corning IncDFND | COM | 19.66K | SH | $5.02M 1.15% | 19.66K | 0.00 | 0.00 |
Meta Platforms IncDFND | CL A | 8.79K | SH | $4.95M 1.13% | 8.79K | 0.00 | 0.00 |
Avantis International Equity ETFDFND | INTL EQT ETF | 54.81K | SH | $4.89M 1.12% | 54.81K | 0.00 | 0.00 |
Broadcom Inc CommonDFND | COM | 12.69K | SH | $4.79M 1.10% | 12.69K | 0.00 | 0.00 |
Wells Fargo & Co NewDFND | COM | 51.76K | SH | $4.28M 0.98% | 51.76K | 0.00 | 0.00 |
Caterpillar IncDFND | COM | 3.85K | SH | $4.10M 0.94% | 3.85K | 0.00 | 0.00 |
Mastercard Inc Class ADFND | CL A | 7.84K | SH | $4.03M 0.92% | 7.84K | 0.00 | 0.00 |
Costco Wholesale Corp (New)DFND | COM | 4.29K | SH | $4.01M 0.92% | 4.29K | 0.00 | 0.00 |
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