13F HOLDINGS REPORT
CITIZENS & NORTHERN CORP
Quarter ended Q2 2025 · Filed July 30, 2025 · Accession 0001104659-25-072066
Total Value
$373.7M
Positions
118
Other Managers
1
Confidential Omitted
No
Holdings (118)
| # | Issuer | Ticker / CUSIP | Shares | Value | % of Filing |
|---|---|---|---|---|---|
| 1 | Vanguard Russell 1000 Growth ETF | 92206C680 | 398,999 | $43.6M | 11.66% |
| 2 | Fidelity MSCI Real Estate Index ETF | 316092857 | 820,011 | $22.2M | 5.93% |
| 3 | iShares North American Natural Resources ETF | 464287374 | 495,124 | $21.9M | 5.86% |
| 4 | iShares Core MSCI Emerging Mkts ETF | 46434G103 | 357,392 | $21.5M | 5.74% |
| 5 | iShares S&P MidCap 400 Index Fd | 464287507 | 258,700 | $16.0M | 4.29% |
| 6 | Microsoft Corp | MSFT | 31,425 | $15.6M | 4.18% |
| 7 | Nvidia Corp | NVDA | 88,057 | $13.9M | 3.72% |
| 8 | SPDR Portfolio S&P 400 Mid Cap ETF | 78464A847 | 232,206 | $12.6M | 3.38% |
| 9 | iShares JPMorgan USD Emerging Markets Bond ETF | 464288281 | 129,961 | $12.0M | 3.22% |
| 10 | Apple Computer Inc | AAPL | 58,164 | $11.9M | 3.19% |
| 11 | Amazon Communications Inc | AMZN | 40,094 | $8.8M | 2.35% |
| 12 | Alphabet Inc Class C | GOOG | 44,781 | $7.9M | 2.13% |
| 13 | JPMorgan Chase & Co | VYLD | 24,901 | $7.2M | 1.93% |
| 14 | Citizens Financial Services Inc | CIA | 117,081 | $6.9M | 1.84% |
| 15 | Meta Platforms Inc | META | 8,621 | $6.4M | 1.70% |
| 16 | Citizens & Northern Corp | CIA | 323,151 | $6.1M | 1.64% |
| 17 | Dimensional U.S. Core Equity 2 ETF | 25434V708 | 161,211 | $5.8M | 1.55% |
| 18 | Mastercard Inc Class A | MA | 8,168 | $4.6M | 1.23% |
| 19 | Costco Wholesale Corp (New) | 22160K105 | 4,581 | $4.5M | 1.21% |
| 20 | iShares Barclays MBS Bond Fund ETF | 464288588 | 34,380 | $3.2M | 0.86% |
| 21 | Oracle Corp | ORCL-PD | 14,452 | $3.2M | 0.85% |
| 22 | Procter & Gamble Co | 742718109 | 18,759 | $3.0M | 0.80% |
| 23 | Exxon Mobil Corp | XOM | 27,598 | $3.0M | 0.80% |
| 24 | Abbott Labs | ABLZF | 21,796 | $3.0M | 0.79% |
| 25 | Chipotle Mexican Grill Inc Corp Common | CMG | 48,493 | $2.7M | 0.73% |
| 26 | Norfolk Southern Corp | 655844108 | 9,513 | $2.4M | 0.65% |
| 27 | Home Depot Inc | HD | 6,572 | $2.4M | 0.64% |
| 28 | Salesforce, Inc. | CRM | 8,821 | $2.4M | 0.64% |
| 29 | Cisco Systems Inc | CSCO | 33,990 | $2.4M | 0.63% |
| 30 | Blackstone Inc | BX | 15,607 | $2.3M | 0.62% |
| 31 | Advanced Micro Devices Inc | AMD | 16,247 | $2.3M | 0.62% |
| 32 | Avantis International Equity ETF | 025072703 | 30,873 | $2.3M | 0.61% |
| 33 | Cencora, Inc. | COR | 7,441 | $2.2M | 0.60% |
| 34 | General Dynamics Corp | GD | 7,646 | $2.2M | 0.60% |
| 35 | Tjx Companies (New) | 872540109 | 17,484 | $2.2M | 0.58% |
| 36 | Mondelez Intl Inc Class A | 609207105 | 32,011 | $2.2M | 0.58% |
| 37 | Honeywell Intl Inc | 438516106 | 9,116 | $2.1M | 0.57% |
| 38 | American Tower REIT Inc | 03027X100 | 9,302 | $2.1M | 0.55% |
| 39 | Charles Schwab Corp | SCHW-PJ | 21,944 | $2.0M | 0.54% |
| 40 | CVS Health Corporation | CVS | 28,324 | $2.0M | 0.52% |
| 41 | Servicenow Inc | NOW | 1,853 | $1.9M | 0.51% |
| 42 | Broadcom Inc Common | AVGO | 6,812 | $1.9M | 0.50% |
| 43 | SPDR S&P 500 ETF Trust | SPY | 2,793 | $1.7M | 0.46% |
| 44 | Coca Cola Co | KO | 24,387 | $1.7M | 0.46% |
| 45 | Analog Devices Inc | ADI | 7,039 | $1.7M | 0.45% |
| 46 | RTX Corporation | RTX | 11,383 | $1.7M | 0.44% |
| 47 | Paypal Holdings, Inc. | PYPL | 21,812 | $1.6M | 0.43% |
| 48 | Eaton Corp | ETN | 4,530 | $1.6M | 0.43% |
| 49 | Disney Walt Co | 254687106 | 13,032 | $1.6M | 0.43% |
| 50 | Comcast Corp Class A | CCZ | 44,900 | $1.6M | 0.43% |
| 51 | GSK PLC ADR | GLAXF | 41,436 | $1.6M | 0.43% |
| 52 | Palo Alto Networks Inc Common | PANW | 7,752 | $1.6M | 0.42% |
| 53 | Accenture PLC | ACN | 5,280 | $1.6M | 0.42% |
| 54 | Intercontinental Exchange Inc Common | 45866F104 | 8,585 | $1.6M | 0.42% |
| 55 | Adobe Systems Inc | ADBE | 4,066 | $1.6M | 0.42% |
| 56 | Truist Financial Corporation | 89832Q109 | 36,476 | $1.6M | 0.42% |
| 57 | Blackrock Funding Inc | BLK | 1,402 | $1.5M | 0.39% |
| 58 | Carrier Global Corp | CARR | 20,056 | $1.5M | 0.39% |
| 59 | Marsh & McLennan Cos Inc | 571748102 | 6,705 | $1.5M | 0.39% |
| 60 | Boeing Co | BA-PA | 6,316 | $1.3M | 0.35% |
| 61 | Johnson & Johnson | JNJ | 8,536 | $1.3M | 0.35% |
| 62 | Nextera Energy Inc | NEE-PW | 17,993 | $1.2M | 0.33% |
| 63 | Schlumberger Ltd | SLB | 36,258 | $1.2M | 0.33% |
| 64 | Union Pacific Corp | UNP | 5,295 | $1.2M | 0.33% |
| 65 | Pfizer Inc | PFE | 49,935 | $1.2M | 0.32% |
| 66 | CDW Corporation | CDW | 6,702 | $1.2M | 0.32% |
| 67 | Zimmer Biomet Holdings, Inc. | ZBH | 12,908 | $1.2M | 0.32% |
| 68 | Nike, Inc. Class B | NKE | 16,410 | $1.2M | 0.31% |
| 69 | Avantis US Equity ETF | 025072885 | 11,523 | $1.2M | 0.31% |
| 70 | Chevron Corp | CVX | 8,041 | $1.2M | 0.31% |
| 71 | Becton, Dickinson & Co. | BDX | 6,569 | $1.1M | 0.30% |
| 72 | SPDR Dow Jones Industrial Average ETF Trust | 78467X109 | 2,543 | $1.1M | 0.30% |
| 73 | Vanguard Total International Bond Index Fund ETF | 92203J407 | 22,612 | $1.1M | 0.30% |
| 74 | Fedex Corp | FDX | 4,829 | $1.1M | 0.29% |
| 75 | EOG Resources, Inc. | EOG | 8,921 | $1.1M | 0.29% |
| 76 | Bath & Body Works | BBWI | 35,410 | $1.1M | 0.28% |
| 77 | Corning Inc | GLW | 19,658 | $1.0M | 0.28% |
| 78 | McDonalds Corp | MCD | 3,163 | $924,134 | 0.25% |
| 79 | Bristol Myers Squibb Co | CELG-RI | 19,646 | $909,413 | 0.24% |
| 80 | iShares Trust Russell 1000 Growth ETF | 464287614 | 2,136 | $906,903 | 0.24% |
| 81 | Biogen Idec Inc | BIIB | 7,028 | $882,647 | 0.24% |
| 82 | Vanguard Dividend Appreciation Index ETF | 921908844 | 4,123 | $843,854 | 0.23% |
| 83 | International Business Machines | INTR | 2,859 | $842,776 | 0.23% |
| 84 | SPDR Portfolio Long Term Treasury ETF | 78464A664 | 30,543 | $811,833 | 0.22% |
| 85 | Freeport-McMoran, Inc. | FCX | 18,019 | $781,124 | 0.21% |
| 86 | DuPont de Nemours Inc | DD | 11,376 | $780,280 | 0.21% |
| 87 | Berkshire Hathaway Inc Class B New | BRK-A | 1,574 | $764,602 | 0.20% |
| 88 | M & T Bank Corp | 55261F104 | 3,891 | $754,815 | 0.20% |
| 89 | Verizon Communications | VZ | 15,664 | $677,781 | 0.18% |
| 90 | Roper Industries Inc New | ROP | 1,115 | $632,027 | 0.17% |
| 91 | iShares Short-Term National Muni Bond ETF | 464288158 | 5,929 | $630,490 | 0.17% |
| 92 | Halliburton Co | HAL | 30,075 | $612,929 | 0.16% |
| 93 | iShares Russell 1000 Value ETF | 464287598 | 2,967 | $576,280 | 0.15% |
| 94 | iShares iBoxx $ High Yield Corp Bond ETF | 464288513 | 7,019 | $566,082 | 0.15% |
| 95 | iShares Barclays TIPS Bond Fund | 464287176 | 5,134 | $564,945 | 0.15% |
| 96 | SPDR Portfolio Short Term Treasury ETF | 78468R101 | 18,925 | $554,313 | 0.15% |
| 97 | DFA Dimensional International Core Equity 2 ETF | 25434V799 | 17,326 | $538,665 | 0.14% |
| 98 | AT&T Inc | T-PC | 17,047 | $493,340 | 0.13% |
| 99 | Illinois Tool Works Inc | 452308109 | 1,876 | $463,841 | 0.12% |
| 100 | Deere & Co | DE | 886 | $450,522 | 0.12% |
| 101 | Avantis Emerging Markets Equity ETF | 025072604 | 6,023 | $412,816 | 0.11% |
| 102 | Caterpillar Inc | CAT | 951 | $369,188 | 0.10% |
| 103 | National Fuel Gas Co N J | NFG | 4,012 | $339,857 | 0.09% |
| 104 | Walmart Inc. | WMT | 3,313 | $323,945 | 0.09% |
| 105 | iShares Core S&P 500 ETF | 464287200 | 512 | $317,901 | 0.09% |
| 106 | Quest Diagnostics Inc | DGX | 1,720 | $308,964 | 0.08% |
| 107 | W W Grainger Inc | 384802104 | 281 | $292,307 | 0.08% |
| 108 | Vanguard Total World Stock Index Fund ETF | 922042742 | 2,000 | $257,040 | 0.07% |
| 109 | Lowes Cos Inc | 548661107 | 1,126 | $249,826 | 0.07% |
| 110 | FlexShares Core Select Bond Fund ETF | FLEX | 10,973 | $244,317 | 0.07% |
| 111 | FactSet Research Systems Inc | 303075105 | 510 | $228,113 | 0.06% |
| 112 | Vanguard Tax-Exempt Bond Index ETF | 922907746 | 4,612 | $226,126 | 0.06% |
| 113 | Rockwell Automation Inc Common | ROK | 666 | $221,225 | 0.06% |
| 114 | Eli Lilly & Co | LLY | 282 | $219,827 | 0.06% |
| 115 | FlexShares STOXX US ESG Select Index ETF | FLEX | 1,456 | $213,779 | 0.06% |
| 116 | Progressive Corp Ohio common | 743315103 | 782 | $208,685 | 0.06% |
| 117 | DFA Dimensional Emerging Markets Core Equity 2 ETF | 25434V732 | 6,890 | $204,495 | 0.05% |
| 118 | Ford Motor Co Del Par $0.01 | 345370860 | 12,373 | $134,247 | 0.04% |