13F HOLDINGS REPORT
CITIZENS & NORTHERN CORP
Quarter ended Q3 2025 · Filed October 24, 2025 · Accession 0001104659-25-102075
Total Value
$403.5M
Positions
121
Other Managers
1
Confidential Omitted
No
Holdings (121)
| # | Issuer | Ticker / CUSIP | Shares | Value | % of Filing |
|---|---|---|---|---|---|
| 1 | Vanguard Russell 1000 Growth ETF | 92206C680 | 396,768 | $47.8M | 11.85% |
| 2 | iShares North American Natural Resources ETF | 464287374 | 495,504 | $24.3M | 6.02% |
| 3 | iShares Core MSCI Emerging Mkts ETF | 46434G103 | 356,787 | $23.5M | 5.83% |
| 4 | Fidelity MSCI Real Estate Index ETF | 316092857 | 822,330 | $22.9M | 5.67% |
| 5 | iShares S&P MidCap 400 Index Fd | 464287507 | 258,315 | $16.9M | 4.18% |
| 6 | Nvidia Corp | NVDA | 88,031 | $16.4M | 4.07% |
| 7 | Microsoft Corp | MSFT | 31,231 | $16.2M | 4.01% |
| 8 | Apple Computer Inc | AAPL | 57,868 | $14.7M | 3.65% |
| 9 | SPDR Portfolio S&P 400 Mid Cap ETF | 78464A847 | 232,382 | $13.3M | 3.29% |
| 10 | iShares JPMorgan USD Emerging Markets Bond ETF | 464288281 | 130,662 | $12.4M | 3.08% |
| 11 | Alphabet Inc Class C | GOOG | 45,184 | $11.0M | 2.73% |
| 12 | Dimensional U.S. Core Equity 2 ETF | 25434V708 | 232,401 | $9.0M | 2.22% |
| 13 | Amazon Communications Inc | AMZN | 39,998 | $8.8M | 2.18% |
| 14 | JPMorgan Chase & Co | VYLD | 24,674 | $7.8M | 1.93% |
| 15 | Citizens Financial Services Inc | CIA | 117,081 | $7.1M | 1.75% |
| 16 | Meta Platforms Inc | META | 8,713 | $6.4M | 1.59% |
| 17 | Citizens & Northern Corp | CIA | 321,089 | $6.4M | 1.58% |
| 18 | Mastercard Inc Class A | MA | 8,176 | $4.7M | 1.15% |
| 19 | Costco Wholesale Corp (New) | 22160K105 | 4,594 | $4.3M | 1.05% |
| 20 | Oracle Corp | ORCL-PD | 14,484 | $4.1M | 1.01% |
| 21 | Avantis International Equity ETF | 025072703 | 51,058 | $4.0M | 1.00% |
| 22 | iShares Barclays MBS Bond Fund ETF | 464288588 | 34,380 | $3.3M | 0.81% |
| 23 | Exxon Mobil Corp | XOM | 27,555 | $3.1M | 0.77% |
| 24 | Abbott Labs | ABLZF | 21,875 | $2.9M | 0.73% |
| 25 | Procter & Gamble Co | 742718109 | 18,756 | $2.9M | 0.71% |
| 26 | Norfolk Southern Corp | 655844108 | 9,550 | $2.9M | 0.71% |
| 27 | Home Depot Inc | HD | 6,579 | $2.7M | 0.66% |
| 28 | Blackstone Inc | BX | 15,602 | $2.7M | 0.66% |
| 29 | Advanced Micro Devices Inc | AMD | 15,985 | $2.6M | 0.64% |
| 30 | General Dynamics Corp | GD | 7,542 | $2.6M | 0.64% |
| 31 | Tjx Companies (New) | 872540109 | 17,457 | $2.5M | 0.63% |
| 32 | Cencora, Inc. | COR | 7,451 | $2.3M | 0.58% |
| 33 | Cisco Systems Inc | CSCO | 34,033 | $2.3M | 0.58% |
| 34 | Broadcom Inc Common | AVGO | 6,523 | $2.2M | 0.53% |
| 35 | CVS Health Corporation | CVS | 28,256 | $2.1M | 0.53% |
| 36 | Charles Schwab Corp | SCHW-PJ | 22,098 | $2.1M | 0.52% |
| 37 | Salesforce, Inc. | CRM | 8,850 | $2.1M | 0.52% |
| 38 | Mondelez Intl Inc Class A | 609207105 | 31,559 | $2.0M | 0.49% |
| 39 | Honeywell Intl Inc | 438516106 | 9,209 | $1.9M | 0.48% |
| 40 | Chipotle Mexican Grill Inc Corp Common | CMG | 48,140 | $1.9M | 0.47% |
| 41 | RTX Corporation | RTX | 11,271 | $1.9M | 0.47% |
| 42 | SPDR S&P 500 ETF Trust | SPY | 2,793 | $1.9M | 0.46% |
| 43 | American Tower REIT Inc | 03027X100 | 9,352 | $1.8M | 0.45% |
| 44 | GSK PLC ADR | GLAXF | 41,530 | $1.8M | 0.44% |
| 45 | Analog Devices Inc | ADI | 7,116 | $1.7M | 0.43% |
| 46 | Eaton Corp | ETN | 4,582 | $1.7M | 0.42% |
| 47 | Servicenow Inc | NOW | 1,856 | $1.7M | 0.42% |
| 48 | Coca Cola Co | KO | 24,453 | $1.6M | 0.40% |
| 49 | Corning Inc | GLW | 19,658 | $1.6M | 0.40% |
| 50 | Palo Alto Networks Inc Common | PANW | 7,715 | $1.6M | 0.39% |
| 51 | Truist Financial Corporation | 89832Q109 | 34,348 | $1.6M | 0.39% |
| 52 | Blackrock Funding Inc | BLK | 1,314 | $1.5M | 0.38% |
| 53 | Johnson & Johnson | JNJ | 8,245 | $1.5M | 0.38% |
| 54 | Disney Walt Co | 254687106 | 13,134 | $1.5M | 0.37% |
| 55 | Avantis US Equity ETF | 025072885 | 13,829 | $1.5M | 0.37% |
| 56 | Paypal Holdings, Inc. | PYPL | 22,206 | $1.5M | 0.37% |
| 57 | Intercontinental Exchange Inc Common | 45866F104 | 8,612 | $1.5M | 0.36% |
| 58 | Adobe Systems Inc | ADBE | 4,065 | $1.4M | 0.36% |
| 59 | Comcast Corp Class A | CCZ | 45,149 | $1.4M | 0.35% |
| 60 | Accenture PLC | ACN | 5,724 | $1.4M | 0.35% |
| 61 | Boeing Co | BA-PA | 6,331 | $1.4M | 0.34% |
| 62 | Nextera Energy Inc | NEE-PW | 18,099 | $1.4M | 0.34% |
| 63 | Marsh & McLennan Cos Inc | 571748102 | 6,728 | $1.4M | 0.34% |
| 64 | Pfizer Inc | PFE | 49,753 | $1.3M | 0.31% |
| 65 | Zimmer Biomet Holdings, Inc. | ZBH | 12,848 | $1.3M | 0.31% |
| 66 | Becton, Dickinson & Co. | BDX | 6,756 | $1.3M | 0.31% |
| 67 | SLB Limited | SLB | 36,247 | $1.2M | 0.31% |
| 68 | Chevron Corp | CVX | 7,842 | $1.2M | 0.30% |
| 69 | Carrier Global Corp | CARR | 20,194 | $1.2M | 0.30% |
| 70 | Union Pacific Corp | UNP | 5,044 | $1.2M | 0.30% |
| 71 | SPDR Dow Jones Industrial Average ETF Trust | 78467X109 | 2,543 | $1.2M | 0.29% |
| 72 | Nike, Inc. Class B | NKE | 16,798 | $1.2M | 0.29% |
| 73 | Vanguard Total International Bond Index Fund ETF | 92203J407 | 22,612 | $1.1M | 0.28% |
| 74 | Fedex Corp | FDX | 4,518 | $1.1M | 0.26% |
| 75 | EOG Resources, Inc. | EOG | 8,947 | $1.0M | 0.25% |
| 76 | iShares Trust Russell 1000 Growth ETF | 464287614 | 2,136 | $1.0M | 0.25% |
| 77 | CDW Corporation | CDW | 6,196 | $986,899 | 0.24% |
| 78 | Biogen Idec Inc | BIIB | 6,996 | $980,000 | 0.24% |
| 79 | McDonalds Corp | MCD | 3,173 | $964,243 | 0.24% |
| 80 | Bath & Body Works | BBWI | 35,558 | $915,974 | 0.23% |
| 81 | DuPont de Nemours Inc | DD | 11,474 | $893,825 | 0.22% |
| 82 | Bristol Myers Squibb Co | CELG-RI | 19,605 | $884,186 | 0.22% |
| 83 | Vanguard Dividend Appreciation Index ETF | 921908844 | 4,001 | $863,376 | 0.21% |
| 84 | SPDR Portfolio Long Term Treasury ETF | 78464A664 | 30,396 | $819,172 | 0.20% |
| 85 | International Business Machines | INTR | 2,859 | $806,695 | 0.20% |
| 86 | Berkshire Hathaway Inc Class B New | BRK-A | 1,524 | $766,176 | 0.19% |
| 87 | Avantis Emerging Markets Equity ETF | 025072604 | 10,143 | $761,841 | 0.19% |
| 88 | Verizon Communications | VZ | 16,640 | $731,328 | 0.18% |
| 89 | Freeport-McMoran, Inc. | FCX | 18,219 | $714,549 | 0.18% |
| 90 | Halliburton Co | HAL | 27,878 | $685,799 | 0.17% |
| 91 | M & T Bank Corp | 55261F104 | 3,384 | $668,746 | 0.17% |
| 92 | iShares Short-Term National Muni Bond ETF | 464288158 | 5,929 | $633,099 | 0.16% |
| 93 | SPDR Portfolio Short Term Treasury ETF | 78468R101 | 20,294 | $595,020 | 0.15% |
| 94 | iShares Russell 1000 Value ETF | 464287598 | 2,819 | $573,920 | 0.14% |
| 95 | iShares Barclays TIPS Bond Fund | 464287176 | 5,134 | $571,003 | 0.14% |
| 96 | iShares iBoxx $ High Yield Corp Bond ETF | 464288513 | 7,019 | $569,873 | 0.14% |
| 97 | DFA Dimensional International Core Equity 2 ETF | 25434V799 | 17,326 | $568,120 | 0.14% |
| 98 | Roper Industries Inc New | ROP | 1,115 | $556,039 | 0.14% |
| 99 | Caterpillar Inc | CAT | 1,130 | $539,180 | 0.13% |
| 100 | Illinois Tool Works Inc | 452308109 | 1,876 | $489,186 | 0.12% |
| 101 | AT&T Inc | T-PC | 17,037 | $481,125 | 0.12% |
| 102 | Deere & Co | DE | 886 | $405,132 | 0.10% |
| 103 | National Fuel Gas Co N J | NFG | 4,012 | $370,588 | 0.09% |
| 104 | DFA Dimensional Emerging Markets Core Equity 2 ETF | 25434V732 | 10,923 | $350,301 | 0.09% |
| 105 | iShares Core S&P 500 ETF | 464287200 | 512 | $342,682 | 0.08% |
| 106 | Quest Diagnostics Inc | DGX | 1,574 | $299,973 | 0.07% |
| 107 | Walmart Inc. | WMT | 2,760 | $284,446 | 0.07% |
| 108 | Lowes Cos Inc | 548661107 | 1,126 | $282,975 | 0.07% |
| 109 | Vanguard Total World Stock Index Fund ETF | 922042742 | 2,000 | $275,600 | 0.07% |
| 110 | W W Grainger Inc | 384802104 | 267 | $254,440 | 0.06% |
| 111 | Cummins Inc | CMI | 600 | $253,422 | 0.06% |
| 112 | Vanguard REIT Index ETF | 922908553 | 2,683 | $245,280 | 0.06% |
| 113 | FlexShares Core Select Bond Fund ETF | FLEX | 10,565 | $237,660 | 0.06% |
| 114 | Alphabet Inc Class A | GOOG | 965 | $234,592 | 0.06% |
| 115 | Rockwell Automation Inc Common | ROK | 666 | $232,787 | 0.06% |
| 116 | Vanguard Tax-Exempt Bond Index ETF | 922907746 | 4,546 | $227,618 | 0.06% |
| 117 | Eli Lilly & Co | LLY | 282 | $215,166 | 0.05% |
| 118 | Progressive Corp Ohio common | 743315103 | 858 | $211,883 | 0.05% |
| 119 | SYSCO Corp | SYY | 2,506 | $206,344 | 0.05% |
| 120 | Vanguard Mid-Cap ETF | 922908629 | 681 | $200,037 | 0.05% |
| 121 | Ford Motor Co Del Par $0.01 | 345370860 | 12,373 | $147,981 | 0.04% |