Citizens & Northern Corp.

In its 13F for Q2 2024 (holdings as of June 30, 2024, filed July 30, 2024), Citizens & Northern Corp. reported 118 stock positions worth $319.7 million. Its top holding was Vanguard Russell 1000 Growth (VONG) at 11.0% of the portfolio, followed by NT Mstar GLBL NR ETF (GUNR, 6.3%) and Fidelity MSCI RL Est Indx (FREL, 6.1%). Compared with Q1 2024, it opened 11 new positions, sold out of 2, added to 21 and reduced 66. The biggest buy was a new position in Vanguard Russell 1000 (VONE) and the biggest sale NT Mstar GLBL NR ETF (GUNR, shares −12%).

Most Recent 13F
Q2 2026
Location
WELLSBORO, PA
CIK
0000810958
Portfolio Value
$319.7M (Q2 2024)
SEC Filing
0001104659-24-083976 ↗ filed Jul 30, 2024

Holdings Value

0$100.0M$200.0M$300.0M$400.0M$500.0M Q1 2024: $295.7M Q1 2024 Q2 2024: $319.7M $319.7M Q2 2024 Q3 2024: $333.1M Q3 2024 Q4 2024: $365.1M Q4 2024 Q1 2025: $354.7M Q1 2025 Q2 2025: $373.7M Q2 2025 Q3 2025: $403.5M Q3 2025 Q4 2025: $403.6M Q4 2025 Q1 2026: $401.0M Q1 2026 Q2 2026: $437.7M Q2 2026

Holdings 118 stocks · $319.7M
VONG Vanguard Russell 1000 Growth 10.97% 373,999 $35.1M Reduce -7.9%
GUNR NT Mstar GLBL NR ETF 6.26% 498,659 $20.0M Reduce -12.4%
FREL Fidelity MSCI RL Est Indx 6.06% 764,513 $19.4M Add +16.9%
SPMD SS SPDR P S&P 400 Midcap ETF 4.46% 277,696 $14.2M Add +8.7%
MSFT Microsoft Corp. 4.19% 30,006 $13.4M Reduce -2.0%
IJH iShares Core S&P Midcap ETF 3.98% 217,375 $12.7M Add +7.8%
AAPL Apple Inc. 3.56% 53,980 $11.4M Reduce -1.8%
NVDA Nvidia Corp. 3.33% 86,181 $10.6M Reduce -0.2%
EMB iShares JP Morgan Usd Emergi 2.85% 103,168 $9.1M Add +2.4%
GOOG Alphabet Inc. Class C 2.80% 48,881 $9.0M Reduce -1.9%
VONE Vanguard Russell 1000 2.30% 29,884 $7.4M New
AMZN Amazon.com Inc. 1.96% 32,357 $6.3M Reduce -0.3%
CZNC Citizens & Northern Corp. 1.84% 329,394 $5.9M Add +7.0%
META Meta Platforms Inc. Class A 1.49% 9,474 $4.8M Reduce -1.5%
DFAC Dimensional US Core Equity 2 1.49% 147,979 $4.8M Reduce -1.3%
JPM JPMorgan Chase & Co. 1.45% 22,964 $4.6M Reduce -4.9%
IXUS iShares Core Intl Stock ETF 1.41% 66,909 $4.5M New
COST Costco Wholesale Corp. 1.38% 5,182 $4.4M Reduce -3.5%
CZFS Citizens Financial Services 1.24% 88,346 $4.0M Reduce -0.2%
MA Mastercard Inc. Class A 1.08% 7,819 $3.4M Reduce -2.3%
XOM Exxon Mobil Corp. 1.01% 28,014 $3.2M Reduce -3.0%
CMG Chipotle Mexican Grill Inc. 0.99% 50,764 $3.2M Reduce -2.6%
PG The Procter & Gamble Co. 0.92% 17,778 $2.9M Reduce -1.5%
SCHD Schwab US DVD Equity ETF 0.83% 34,175 $2.7M New
MBB iShares MBS ETF 0.79% 27,638 $2.5M No change
ORCL Oracle Corp. 0.75% 17,006 $2.4M Reduce -1.7%
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.72% 13,261 $2.3M Reduce -3.1%
FQAL Fidelity Quality Factor ETF 0.68% 35,639 $2.2M New
HD Home Depot Inc. 0.67% 6,204 $2.1M Reduce -2.3%
CRM Salesforce Inc. 0.66% 8,169 $2.1M Reduce -3.0%
ABT Abbott Laboratories 0.65% 20,007 $2.1M Reduce -4.6%
GD General Dynamics Corp. 0.63% 6,958 $2.0M Reduce -4.9%
SPSM SS SPDR P S&P 600 Small Cap 0.62% 47,431 $2.0M New
AVDE Avantis International Equity 0.61% 31,291 $1.9M Reduce -1.0%
ADBE Adobe Inc. 0.61% 3,491 $1.9M Add +0.6%
ADI Analog Devices Inc. 0.60% 8,339 $1.9M Reduce -4.2%
MDLZ Mondelez International Inc. Class A 0.59% 28,893 $1.9M Reduce -4.2%
NSC Norfolk Southern Corp. 0.57% 8,475 $1.8M Reduce -0.6%
TJX TJX Companies Inc. filed as TJX COS INC NEW 0.55% 16,109 $1.8M Reduce -3.9%
HON Honeywell International Inc. 0.55% 8,247 $1.8M Reduce -5.5%
PANW Palo Alto Networks Inc. 0.53% 5,007 $1.7M Add +2.2%
AMT American Tower Corp. 0.52% 8,576 $1.7M Reduce -3.6%
CMCSA Comcast Corp. Class A 0.52% 42,559 $1.7M Reduce -2.8%
AGG iShares Core U.S. Aggregate 0.50% 16,483 $1.6M New
TFC Truist Financial Corp. 0.49% 40,606 $1.6M Reduce -3.4%
SPY SS SPDR S&P 500 ETF Trust-US 0.49% 2,889 $1.6M Reduce -1.5%
CVS CVS Health Corp. 0.48% 26,092 $1.5M Reduce -5.7%
SLB SLB Ltd. filed as SCHLUMBERGER LTD 0.48% 32,579 $1.5M Reduce -7.7%
MRSH Marsh & McLennan Cos 0.47% 7,170 $1.5M Reduce -0.6%
COR Cencora Inc. 0.46% 6,485 $1.5M Reduce -5.0%
CSCO Cisco Systems Inc. 0.45% 30,584 $1.5M Reduce -2.7%
BX Blackstone Inc. 0.45% 11,594 $1.4M Reduce -5.0%
GSK GSK PLC-Spon ADR 0.44% 36,785 $1.4M Reduce -4.6%
KO The Coca-Cola Co. 0.44% 21,987 $1.4M Reduce -3.9%
NKE Nike Inc. Class B 0.44% 18,509 $1.4M Reduce -4.3%
ICE Intercontinental Exchange Inc. 0.43% 9,931 $1.4M Reduce -0.3%
AVRE Avantis Real Estate ETF 0.42% 32,777 $1.4M New
GWW WW Grainger Inc. filed as GRAINGER W W INC 0.42% 1,484 $1.3M Reduce -0.9%
HYDW XTRS Low Beta Hi Yield ETF 0.42% 28,875 $1.3M New
MCD McDonald's Corp. 0.41% 5,124 $1.3M Reduce -11.2%
CDW CDW Corp. 0.41% 5,824 $1.3M Reduce -3.0%
ZBH Zimmer Biomet Holdings Inc. 0.40% 11,909 $1.3M Reduce -4.0%
MAS Masco Corp. 0.39% 18,757 $1.3M Reduce -2.8%
NEE Nextera Energy Inc. 0.37% 16,823 $1.2M Reduce -2.1%
MCHP Microchip Technology Inc. 0.37% 12,791 $1.2M Add +1.9%
CVX Chevron Corp. 0.36% 7,362 $1.2M Reduce -3.3%
BBWI Bath & Body Works Inc. 0.36% 29,465 $1.2M Add +1.7%
UNP Union Pacific Corp. 0.36% 5,044 $1.1M No change
T AT&T Inc. 0.34% 56,810 $1.1M Reduce -3.5%
AVUS Avantis U.S. Equity ETF 0.33% 11,823 $1.1M No change
EOG EOG Resources Inc. 0.33% 8,467 $1.1M Reduce -3.9%
BDX Becton Dickinson and Co. 0.33% 4,511 $1.1M Reduce -3.5%
BNDX Vanguard Total Intl Bond ETF 0.33% 21,459 $1.0M Add +4.0%
DIS The Walt Disney Co. filed as DISNEY WALT CO 0.33% 10,508 $1.0M Add +0.7%
BLK BlackRock Finance Inc. 0.32% 1,310 $1.0M Reduce -3.5%
BA The Boeing Co. 0.32% 5,568 $1.0M Add +1.0%
BIIB Biogen Inc. 0.32% 4,352 $1.0M Reduce -3.3%
DIA SS SPDR Dow Jones Indus Avg filed as SPDR DOW JONES INDL AVERAGE 0.31% 2,543 $995K No change
SCHW Schwab (charles) Corp. 0.31% 13,480 $993K Reduce -1.3%
SUB iShares Short-Term National 0.30% 9,296 $972K No change
IWF iShares Russell 1000 Growth 0.29% 2,522 $919K No change
PFE Pfizer Inc. 0.28% 31,651 $886K Reduce -2.5%
SPTL SS SPDR PF LNG TRM TSY E-Usd 0.27% 31,803 $866K No change
HAL Halliburton Co. 0.27% 25,146 $849K Reduce -5.2%
FCX Freeport-McMoran Inc. 0.26% 17,240 $838K Reduce -3.7%
DD Dupont DE Nemours Inc. 0.26% 10,270 $827K Reduce -5.9%
GLW Corning Inc. 0.24% 20,126 $782K Add +1.0%
VIG Vanguard Dividend Apprec ETF 0.24% 4,118 $752K Add +9.1%
EL Estee Lauder Companies Class A filed as LAUDER ESTEE COS INC 0.23% 7,045 $750K Reduce -1.8%
BMY Bristol-Myers Squibb Co. 0.23% 17,881 $743K Reduce -4.3%
EXCHANGE TRADED CONCEPTS TRU 0.23% 27,583 $725K New
PYPL PayPal Holdings Inc. 0.22% 12,241 $710K Add +4.7%
ROP Roper Technologies Inc. 0.20% 1,115 $628K No change
HYG Ishr Ibx Usd Hiyld CB ETF-Ui 0.19% 7,686 $593K Add +3.5%
VZ Verizon Communications Inc. 0.17% 13,301 $549K Add +0.8%
IWD iShares Russell 1000 Value E 0.16% 2,967 $518K No change
BRK.B Berkshire Hathaway Inc. Class B 0.15% 1,210 $492K Reduce -5.8%
CBU Community Financial System I 0.12% 8,427 $398K New
TIP iShares Tips Bond ETF 0.12% 3,544 $378K Add +3.0%
AVEM Avantis Emerging Markets Eq 0.12% 6,023 $368K Reduce -11.0%
UNH Unitedhealth Group Inc. 0.11% 719 $366K Add +15.8%
ITW Illinois Tool Works 0.11% 1,442 $342K No change
DE Deere & Co. 0.10% 886 $331K Reduce -3.3%
ESG NT Stoxx US ESG ETF 0.10% 2,520 $323K Add +8.6%
CAT Caterpillar Inc. 0.10% 925 $308K No change
JNJ Johnson & Johnson 0.09% 1,884 $275K Add +3.5%
SHM SS SPDR N Ice St Muni ETF 0.08% 5,732 $270K No change
IVV iShares Core S&P 500 ETF 0.08% 485 $265K Reduce -27.5%
LLY Eli Lilly & Co. 0.08% 278 $252K No change
LOW Lowe's Cos Inc. 0.08% 1,126 $248K No change
DFIC Dimensional International Co. 0.08% 9,271 $244K No change
BNDC NT Core Bond ETF 0.08% 10,965 $240K Reduce -10.3%
VTEB Vanguard Tax-Exempt Bond ETF 0.07% 4,546 $228K No change
VT Vanguard Tot World STK ETF 0.07% 2,000 $225K No change
ROK Rockwell Automation Inc. 0.07% 800 $220K No change
CME Cme Group Inc. 0.07% 1,119 $220K No change
NFG National Fuel Gas Co. 0.07% 3,923 $213K No change
DFEM Dimensional Emrg MRKT Core 0.06% 7,736 $207K New

Portfolio Sells Q1 2024 → Q2 2024
GUNR NT Mstar GLBL NR ETF Reduce -12.4% 6.26% −1.64
VONG Vanguard Russell 1000 Growth Reduce -7.9% 10.97% −0.92
CVS CVS Health Corp. Reduce -5.7% 0.48% −0.26
CZFS Citizens Financial Services Reduce -0.2% 1.24% −0.23
MA Mastercard Inc. Class A Reduce -2.3% 1.08% −0.22
CRM Salesforce Inc. Reduce -3.0% 0.66% −0.20
JPM JPMorgan Chase & Co. Reduce -4.9% 1.45% −0.18
NKE Nike Inc. Class B Reduce -4.3% 0.44% −0.18
SLB SLB Ltd. Reduce -7.7% 0.48% −0.17
IBM Intl Business Machines Corp. Reduce -3.1% 0.72% −0.17
NSC Norfolk Southern Corp. Reduce -0.6% 0.57% −0.17
MSFT Microsoft Corp. Reduce -2.0% 4.19% −0.16
HD Home Depot Inc. Reduce -2.3% 0.67% −0.16
ABT Abbott Laboratories Reduce -4.6% 0.65% −0.16
ZBH Zimmer Biomet Holdings Inc. Reduce -4.0% 0.40% −0.15
MCD McDonald's Corp. Reduce -11.2% 0.41% −0.14
EL Estee Lauder Companies Class A Reduce -1.8% 0.23% −0.14
DFAC Dimensional US Core Equity 2 Reduce -1.3% 1.49% −0.13
XOM Exxon Mobil Corp. Reduce -3.0% 1.01% −0.13
MAS Masco Corp. Reduce -2.8% 0.39% −0.12
MDLZ Mondelez International Inc. Class A Reduce -4.2% 0.59% −0.12
CMCSA Comcast Corp. Class A Reduce -2.8% 0.52% −0.12
GSK GSK PLC-Spon ADR Reduce -4.6% 0.44% −0.12
CDW CDW Corp. Reduce -3.0% 0.41% −0.11
BMY Bristol-Myers Squibb Co. Reduce -4.3% 0.23% −0.11
COR Cencora Inc. Reduce -5.0% 0.46% −0.10
GWW WW Grainger Inc. Reduce -0.9% 0.42% −0.10
BX Blackstone Inc. Reduce -5.0% 0.45% −0.09
HAL Halliburton Co. Reduce -5.2% 0.27% −0.09
META Meta Platforms Inc. Class A Reduce -1.5% 1.49% −0.08
ACN Accenture PLC Class A Sold out 0.00% −0.08
CSCO Cisco Systems Inc. Reduce -2.7% 0.45% −0.08
PG The Procter & Gamble Co. Reduce -1.5% 0.92% −0.07
AMT American Tower Corp. Reduce -3.6% 0.52% −0.07
AVDE Avantis International Equity Reduce -1.0% 0.61% −0.07
SYY Sysco Corp. Sold out 0.00% −0.07
GD General Dynamics Corp. Reduce -4.9% 0.63% −0.07
BDX Becton Dickinson and Co. Reduce -3.5% 0.33% −0.06
TFC Truist Financial Corp. Reduce -3.4% 0.49% −0.06
BLK BlackRock Finance Inc. Reduce -3.5% 0.32% −0.06
HON Honeywell International Inc. Reduce -5.5% 0.55% −0.06
EOG EOG Resources Inc. Reduce -3.9% 0.33% −0.05
CVX Chevron Corp. Reduce -3.3% 0.36% −0.05
ICE Intercontinental Exchange Inc. Reduce -0.3% 0.43% −0.04
IVV iShares Core S&P 500 ETF Reduce -27.5% 0.08% −0.04
KO The Coca-Cola Co. Reduce -3.9% 0.44% −0.04
MRSH Marsh & McLennan Cos Reduce -0.6% 0.47% −0.03
CMG Chipotle Mexican Grill Inc. Reduce -2.6% 0.99% −0.03
BRK.B Berkshire Hathaway Inc. Class B Reduce -5.8% 0.15% −0.03
PFE Pfizer Inc. Reduce -2.5% 0.28% −0.03

Portfolio Buys Q1 2024 → Q2 2024
VONE Vanguard Russell 1000 New 2.30% +2.30
IXUS iShares Core Intl Stock ETF New 1.41% +1.41
SCHD Schwab US DVD Equity ETF New 0.83% +0.83
FQAL Fidelity Quality Factor ETF New 0.68% +0.68
SPSM SS SPDR P S&P 600 Small Cap New 0.62% +0.62
AGG iShares Core U.S. Aggregate New 0.50% +0.50
AVRE Avantis Real Estate ETF New 0.42% +0.42
HYDW XTRS Low Beta Hi Yield ETF New 0.42% +0.42
FREL Fidelity MSCI RL Est Indx Add +16.9% 6.06% +0.29
EXCHANGE TRADED CONCEPTS TRU New 0.23% +0.23
CBU Community Financial System I New 0.12% +0.12
DFEM Dimensional Emrg MRKT Core New 0.06% +0.06
PANW Palo Alto Networks Inc. Add +2.2% 0.53% +0.06
GLW Corning Inc. Add +1.0% 0.24% +0.02
ADBE Adobe Inc. Add +0.6% 0.61% +0.01
UNH Unitedhealth Group Inc. Add +15.8% 0.11% +0.01
VIG Vanguard Dividend Apprec ETF Add +9.1% 0.24% +0.00
ESG NT Stoxx US ESG ETF Add +8.6% 0.10% +0.00
TIP iShares Tips Bond ETF Add +3.0% 0.12% −0.01
HYG Ishr Ibx Usd Hiyld CB ETF-Ui Add +3.5% 0.19% −0.01
JNJ Johnson & Johnson Add +3.5% 0.09% −0.01
MCHP Microchip Technology Inc. Add +1.9% 0.37% −0.01
VZ Verizon Communications Inc. Add +0.8% 0.17% −0.02
BNDX Vanguard Total Intl Bond ETF Add +4.0% 0.33% −0.02
PYPL PayPal Holdings Inc. Add +4.7% 0.22% −0.04
BA The Boeing Co. Add +1.0% 0.32% −0.04
DIS The Walt Disney Co. Add +0.7% 0.33% −0.11
CZNC Citizens & Northern Corp. Add +7.0% 1.84% −0.11
BBWI Bath & Body Works Inc. Add +1.7% 0.36% −0.13
SPMD SS SPDR P S&P 400 Midcap ETF Add +8.7% 4.46% −0.15
IJH iShares Core S&P Midcap ETF Add +7.8% 3.98% −0.16
EMB iShares JP Morgan Usd Emergi Add +2.4% 2.85% −0.20

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 117$437.7MVONG, IEMG, FREL, IGE, IJH
Q1 2026 119$401.0MVONG, FREL, IGE, IEMG, IJH
Q4 2025 124$403.6MVONG, FREL, IGE, IEMG, IJH
Q3 2025 121$403.5MVONG, IGE, IEMG, FREL, IJH
Q2 2025 118$373.7MVONG, FREL, IGE, IEMG, IJH
Q1 2025 118$354.7MVONG, IGE, FREL, IEMG, IJH
Q4 2024 126$365.1MVONG, FREL, IGE, IEMG, IJH
Q3 2024 126$333.1MVONG, FREL, GUNR, IJH, SPMD
Q2 2024 118$319.7MVONG, GUNR, FREL, SPMD, MSFT
Q1 2024 109$295.7MVONG, GUNR, FREL, SPMD, MSFT