CITIZENS & NORTHERN CORP

PublicCIK: 810958
CZNCNASDAQ
Location

WELLSBORO, PA

117
Positions
$437.70M
Total AUM (reported)
4.91M
Total Shares

Allocation by class

TOTAL AUM$437.70M117 positions
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 326.3%4–1025.9%11–2522.0%Rest25.7%TOP 1052.3%0%100%
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

DFND
VNG RUS1000GRW
Shares462.18K
TypeSH
Market value$59.07M
13.50%
Sole
462.18K
Shared
0.00
None
0.00

iShares Core MSCI Emerging Mkts ETF

DFND
CORE MSCI EMKT
Shares340.14K
TypeSH
Market value$28.18M
6.44%
Sole
340.14K
Shared
0.00
None
0.00

Fidelity MSCI Real Estate Index ETF

DFND
MSCI RL EST ETF
Shares953.63K
TypeSH
Market value$27.94M
6.38%
Sole
953.63K
Shared
0.00
None
0.00

iShares North American Natural Resources ETF

DFND
NORTH AMERN NAT
Shares427.92K
TypeSH
Market value$24.04M
5.49%
Sole
427.92K
Shared
0.00
None
0.00

iShares S&P MidCap 400 Index Fd

DFND
CORE S&P MCP ETF
Shares217.64K
TypeSH
Market value$16.78M
3.83%
Sole
217.64K
Shared
0.00
None
0.00

Nvidia Corp

DFND
COM
Shares82K
TypeSH
Market value$16.41M
3.75%
Sole
82K
Shared
0.00
None
0.00

Apple Computer Inc

DFND
COM
Shares53.52K
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

DFND
ST STR P400MID
Shares208.14K
TypeSH
Market value$14.06M
3.21%
Sole
208.14K
Shared
0.00
None
0.00

Alphabet Inc Class C

DFND
CAP STK CL C
Shares39.45K
TypeSH
Market value$13.94M
3.18%
Sole
39.45K
Shared
0.00
None
0.00

iShares JPMorgan USD Emerging Markets Bond ETF

DFND
JPMORGAN USD EMG
Shares132.94K
TypeSH
Market value$12.82M
2.93%
Sole
132.94K
Shared
0.00
None
0.00

Microsoft Corp

DFND
COM
Shares29.14K
TypeSH
Market value$10.87M
2.48%
Sole
29.14K
Shared
0.00
None
0.00

Dimensional U.S. Core Equity 2 ETF

DFND
US COR EQU 2 ETF
Shares238.02K
TypeSH
Market value$10.56M
2.41%
Sole
238.02K
Shared
0.00
None
0.00

Amazon Communications Inc

DFND
COM
Shares37.83K
TypeSH
Market value$9.02M
2.06%
Sole
37.83K
Shared
0.00
None
0.00

Citizens Financial Services Inc

DFND
COM
Shares117.06K
TypeSH
Market value$8.48M
1.94%
Sole
117.06K
Shared
0.00
None
0.00

Citizens & Northern Corp

DFND
COM
Shares349.49K
TypeSH
Market value$8.15M
1.86%
Sole
349.49K
Shared
0.00
None
0.00

Advanced Micro Devices Inc

DFND
COM
Shares12.72K
TypeSH
Market value$7.39M
1.69%
Sole
12.72K
Shared
0.00
None
0.00

JPMorgan Chase & Co

DFND
COM
Shares17.80K
TypeSH
Market value$5.83M
1.33%
Sole
17.80K
Shared
0.00
None
0.00

Corning Inc

DFND
COM
Shares19.66K
TypeSH
Market value$5.02M
1.15%
Sole
19.66K
Shared
0.00
None
0.00

Meta Platforms Inc

DFND
CL A
Shares8.79K
TypeSH
Market value$4.95M
1.13%
Sole
8.79K
Shared
0.00
None
0.00

Avantis International Equity ETF

DFND
INTL EQT ETF
Shares54.81K
TypeSH
Market value$4.89M
1.12%
Sole
54.81K
Shared
0.00
None
0.00

Broadcom Inc Common

DFND
COM
Shares12.69K
TypeSH
Market value$4.79M
1.10%
Sole
12.69K
Shared
0.00
None
0.00

Wells Fargo & Co New

DFND
COM
Shares51.76K
TypeSH
Market value$4.28M
0.98%
Sole
51.76K
Shared
0.00
None
0.00

Caterpillar Inc

DFND
COM
Shares3.85K
TypeSH
Market value$4.10M
0.94%
Sole
3.85K
Shared
0.00
None
0.00

Mastercard Inc Class A

DFND
CL A
Shares7.84K
TypeSH
Market value$4.03M
0.92%
Sole
7.84K
Shared
0.00
None
0.00

Costco Wholesale Corp (New)

DFND
COM
Shares4.29K
TypeSH
Market value$4.01M
0.92%
Sole
4.29K
Shared
0.00
None
0.00
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