13F HOLDINGS REPORT
CITIZENS & NORTHERN CORP
Quarter ended Q4 2025 · Filed January 28, 2026 · Accession 0001104659-26-007427
Total Value
$403.6M
Positions
124
Other Managers
1
Confidential Omitted
No
Holdings (124)
| # | Issuer | Ticker / CUSIP | Shares | Value | % of Filing |
|---|---|---|---|---|---|
| 1 | Vanguard Russell 1000 Growth ETF | 92206C680 | 367,716 | $44.8M | 11.09% |
| 2 | Fidelity MSCI Real Estate Index ETF | 316092857 | 1,087,071 | $29.2M | 7.24% |
| 3 | iShares North American Natural Resources ETF | 464287374 | 492,536 | $24.7M | 6.13% |
| 4 | iShares Core MSCI Emerging Mkts ETF | 46434G103 | 331,668 | $22.3M | 5.52% |
| 5 | iShares S&P MidCap 400 Index Fd | 464287507 | 258,672 | $17.1M | 4.23% |
| 6 | Nvidia Corp | NVDA | 81,880 | $15.3M | 3.78% |
| 7 | Apple Computer Inc | AAPL | 53,237 | $14.5M | 3.59% |
| 8 | Microsoft Corp | MSFT | 28,309 | $13.7M | 3.39% |
| 9 | State Street SPDR Portfolio S&P 400 Mid Cap ETF | 78464A847 | 235,643 | $13.6M | 3.38% |
| 10 | iShares JPMorgan USD Emerging Markets Bond ETF | 464288281 | 132,225 | $12.7M | 3.15% |
| 11 | Alphabet Inc Class C | GOOG | 40,453 | $12.7M | 3.15% |
| 12 | Dimensional U.S. Core Equity 2 ETF | 25434V708 | 238,023 | $9.4M | 2.34% |
| 13 | Amazon Communications Inc | AMZN | 37,712 | $8.7M | 2.16% |
| 14 | Citizens & Northern Corp | CIA | 361,412 | $7.3M | 1.81% |
| 15 | Citizens Financial Services Inc | CIA | 117,063 | $6.7M | 1.65% |
| 16 | JPMorgan Chase & Co | VYLD | 20,091 | $6.5M | 1.60% |
| 17 | Meta Platforms Inc | META | 8,780 | $5.8M | 1.44% |
| 18 | Avantis International Equity ETF | 025072703 | 54,809 | $4.5M | 1.12% |
| 19 | Mastercard Inc Class A | MA | 7,877 | $4.5M | 1.11% |
| 20 | Costco Wholesale Corp (New) | 22160K105 | 4,373 | $3.8M | 0.93% |
| 21 | Advanced Micro Devices Inc | AMD | 15,877 | $3.4M | 0.84% |
| 22 | iShares Barclays MBS Bond Fund ETF | 464288588 | 35,349 | $3.4M | 0.83% |
| 23 | Exxon Mobil Corp | XOM | 26,338 | $3.2M | 0.79% |
| 24 | Oracle Corp | ORCL-PD | 14,504 | $2.8M | 0.70% |
| 25 | Procter & Gamble Co | 742718109 | 18,566 | $2.7M | 0.66% |
| 26 | Tjx Companies (New) | 872540109 | 16,856 | $2.6M | 0.64% |
| 27 | Abbott Labs | ABLZF | 20,562 | $2.6M | 0.64% |
| 28 | RTX Corporation | RTX | 13,774 | $2.5M | 0.63% |
| 29 | Cisco Systems Inc | CSCO | 32,735 | $2.5M | 0.62% |
| 30 | Analog Devices Inc | ADI | 9,288 | $2.5M | 0.62% |
| 31 | Caterpillar Inc | CAT | 4,214 | $2.4M | 0.60% |
| 32 | Cencora, Inc. | COR | 7,045 | $2.4M | 0.59% |
| 33 | Blackstone Inc | BX | 15,280 | $2.4M | 0.58% |
| 34 | Broadcom Inc Common | AVGO | 6,719 | $2.3M | 0.58% |
| 35 | Salesforce, Inc. | CRM | 8,467 | $2.2M | 0.56% |
| 36 | CVS Health Corporation | CVS | 26,828 | $2.1M | 0.53% |
| 37 | Charles Schwab Corp | SCHW-PJ | 21,271 | $2.1M | 0.53% |
| 38 | Norfolk Southern Corp | 655844108 | 6,836 | $2.0M | 0.49% |
| 39 | State Street SPDR S&P 500 ETF Trust | SPY | 2,877 | $2.0M | 0.49% |
| 40 | Boeing Co | BA-PA | 8,980 | $1.9M | 0.48% |
| 41 | GSK PLC ADR | GLAXF | 39,595 | $1.9M | 0.48% |
| 42 | Home Depot Inc | HD | 5,601 | $1.9M | 0.48% |
| 43 | Corning Inc | GLW | 21,734 | $1.9M | 0.47% |
| 44 | General Dynamics Corp | GD | 5,408 | $1.8M | 0.45% |
| 45 | KKR & Co Inc | KKRT | 14,168 | $1.8M | 0.45% |
| 46 | Johnson & Johnson | JNJ | 8,196 | $1.7M | 0.42% |
| 47 | Coca Cola Co | KO | 23,393 | $1.6M | 0.41% |
| 48 | Citigroup Inc Common New | C-PR | 13,930 | $1.6M | 0.40% |
| 49 | Paypal Holdings, Inc. | PYPL | 27,351 | $1.6M | 0.40% |
| 50 | American Tower REIT Inc | 03027X100 | 9,061 | $1.6M | 0.39% |
| 51 | Avantis US Equity ETF | 025072885 | 13,829 | $1.5M | 0.38% |
| 52 | Accenture PLC | ACN | 5,588 | $1.5M | 0.37% |
| 53 | Netflix Inc Corp | NFLX | 15,633 | $1.5M | 0.36% |
| 54 | Disney Walt Co | 254687106 | 12,788 | $1.5M | 0.36% |
| 55 | Eaton Corp | ETN | 4,507 | $1.4M | 0.36% |
| 56 | Chipotle Mexican Grill Inc Corp Common | CMG | 38,035 | $1.4M | 0.35% |
| 57 | Servicenow Inc | NOW | 9,127 | $1.4M | 0.35% |
| 58 | Nextera Energy Inc | NEE-PW | 17,340 | $1.4M | 0.34% |
| 59 | Palo Alto Networks Inc Common | PANW | 7,509 | $1.4M | 0.34% |
| 60 | Intercontinental Exchange Inc Common | 45866F104 | 8,324 | $1.3M | 0.33% |
| 61 | Adobe Systems Inc | ADBE | 3,840 | $1.3M | 0.33% |
| 62 | SLB Limited | SLB | 34,819 | $1.3M | 0.33% |
| 63 | Emerson Electric Co | EMR | 9,993 | $1.3M | 0.33% |
| 64 | Intuit | INTU | 2,001 | $1.3M | 0.33% |
| 65 | Mondelez Intl Inc Class A | 609207105 | 24,204 | $1.3M | 0.32% |
| 66 | SPDR Dow Jones Industrial Average ETF Trust | 78467X109 | 2,543 | $1.2M | 0.30% |
| 67 | Biogen Idec Inc | BIIB | 6,912 | $1.2M | 0.30% |
| 68 | Marsh | 571748102 | 6,509 | $1.2M | 0.30% |
| 69 | Pfizer Inc | PFE | 47,977 | $1.2M | 0.30% |
| 70 | Chevron Corp | CVX | 7,716 | $1.2M | 0.29% |
| 71 | Union Pacific Corp | UNP | 5,044 | $1.2M | 0.29% |
| 72 | Vanguard Total International Bond Index Fund ETF | 92203J407 | 24,121 | $1.2M | 0.29% |
| 73 | EOG Resources, Inc. | EOG | 10,726 | $1.1M | 0.28% |
| 74 | Nike, Inc. Class B | NKE | 17,005 | $1.1M | 0.27% |
| 75 | Tapestry Inc Common | TPR | 8,383 | $1.1M | 0.27% |
| 76 | iShares Trust Russell 1000 Growth ETF | 464287614 | 2,254 | $1.1M | 0.26% |
| 77 | Carrier Global Corp | CARR | 19,638 | $1.0M | 0.26% |
| 78 | Bristol Myers Squibb Co | CELG-RI | 19,051 | $1.0M | 0.25% |
| 79 | McDonalds Corp | MCD | 3,090 | $944,397 | 0.23% |
| 80 | Freeport-McMoran, Inc. | FCX | 17,999 | $914,169 | 0.23% |
| 81 | DuPont de Nemours Inc | DD | 22,119 | $889,184 | 0.22% |
| 82 | iShares iBoxx $ High Yield Corp Bond ETF | 464288513 | 10,822 | $872,578 | 0.22% |
| 83 | International Business Machines | INTR | 2,832 | $838,867 | 0.21% |
| 84 | Becton, Dickinson & Co. | BDX | 4,235 | $821,886 | 0.20% |
| 85 | State Street SPDR Portfolio Long Term Treasury ETF | 78464A664 | 30,396 | $804,582 | 0.20% |
| 86 | State Street SPDR Portfolio Short Term Treasury ETF | 78468R101 | 26,935 | $788,657 | 0.20% |
| 87 | Avantis Emerging Markets Equity ETF | 025072604 | 10,143 | $781,214 | 0.19% |
| 88 | M & T Bank Corp | 55261F104 | 3,642 | $733,790 | 0.18% |
| 89 | Berkshire Hathaway Inc Class B New | BRK-A | 1,456 | $731,858 | 0.18% |
| 90 | Zimmer Biomet Holdings, Inc. | ZBH | 8,080 | $726,554 | 0.18% |
| 91 | iShares Russell 1000 Value ETF | 464287598 | 3,029 | $637,120 | 0.16% |
| 92 | iShares Short-Term National Muni Bond ETF | 464288158 | 5,929 | $632,624 | 0.16% |
| 93 | Vanguard Dividend Appreciation Index ETF | 921908844 | 2,866 | $629,889 | 0.16% |
| 94 | Verizon Communications | VZ | 15,240 | $620,725 | 0.15% |
| 95 | DFA Dimensional International Core Equity 2 ETF | 25434V799 | 17,326 | $597,054 | 0.15% |
| 96 | iShares Barclays TIPS Bond Fund | 464287176 | 5,404 | $593,954 | 0.15% |
| 97 | Roper Industries Inc New | ROP | 1,115 | $496,320 | 0.12% |
| 98 | Illinois Tool Works Inc | 452308109 | 1,898 | $467,477 | 0.12% |
| 99 | Bath & Body Works | BBWI | 21,871 | $439,170 | 0.11% |
| 100 | DFA Dimensional Emerging Markets Core Equity 2 ETF | 25434V732 | 12,833 | $424,516 | 0.11% |
| 101 | AT&T Inc | T-PC | 17,037 | $423,199 | 0.10% |
| 102 | Health Care Select Sector SPDR ETF | 81369Y209 | 2,659 | $411,613 | 0.10% |
| 103 | Deere & Co | DE | 880 | $409,702 | 0.10% |
| 104 | iShares Dow Jones US Med Devices Index | 464288810 | 6,179 | $384,025 | 0.10% |
| 105 | iShares Core S&P 500 ETF | 464287200 | 550 | $376,717 | 0.09% |
| 106 | Honeywell Intl Inc | 438516106 | 1,856 | $362,087 | 0.09% |
| 107 | Eli Lilly & Co | LLY | 315 | $338,524 | 0.08% |
| 108 | Comcast Corp Class A | CCZ | 11,030 | $329,687 | 0.08% |
| 109 | National Fuel Gas Co N J | NFG | 4,012 | $321,201 | 0.08% |
| 110 | Cummins Inc | CMI | 600 | $306,270 | 0.08% |
| 111 | Vanguard Total World Stock Index Fund ETF | 922042742 | 2,000 | $282,120 | 0.07% |
| 112 | Alphabet Inc Class A | GOOG | 890 | $278,570 | 0.07% |
| 113 | Consumer Discretionary Select Sector SPDR | 81369Y407 | 2,260 | $269,867 | 0.07% |
| 114 | Quest Diagnostics Inc | DGX | 1,550 | $268,972 | 0.07% |
| 115 | Lowes Cos Inc | 548661107 | 1,105 | $266,482 | 0.07% |
| 116 | Rockwell Automation Inc Common | ROK | 666 | $259,121 | 0.06% |
| 117 | W W Grainger Inc | 384802104 | 245 | $247,217 | 0.06% |
| 118 | Blackrock Funding Inc | BLK | 222 | $237,615 | 0.06% |
| 119 | Vanguard REIT Index ETF | 922908553 | 2,683 | $237,419 | 0.06% |
| 120 | FlexShares Core Select Bond Fund ETF | FLEX | 10,418 | $232,997 | 0.06% |
| 121 | Truist Financial Corporation | 89832Q109 | 4,727 | $232,616 | 0.06% |
| 122 | Halliburton Co | HAL | 8,222 | $232,354 | 0.06% |
| 123 | Vanguard Tax-Exempt Bond Index ETF | 922907746 | 4,503 | $226,456 | 0.06% |
| 124 | Progressive Corp Ohio common | 743315103 | 925 | $210,641 | 0.05% |