Citizens & Northern Corp.
In its 13F for Q2 2025 (holdings as of June 30, 2025, filed July 30, 2025), Citizens & Northern Corp. reported 118 stock positions worth $373.7 million. Its top holding was Vanguard Russell 1000 Growth (VONG) at 11.7% of the portfolio, followed by Fidelity MSCI RL Est Indx (FREL, 5.9%) and iShares North American Natur (IGE, 5.9%). Compared with Q1 2025, it opened 6 new positions, sold out of 6, added to 42 and reduced 57. The biggest buy was a new position in RTX (RTX) and the biggest sale SS SPDR P S&P 400 Midcap ETF (SPMD, shares −20%).
- Most Recent 13F
- Q2 2026
- Location
- WELLSBORO, PA
- CIK
- 0000810958
- Portfolio Value
- $373.7M (Q2 2025)
- SEC Filing
- 0001104659-25-072066 ↗ filed Jul 30, 2025
Holdings Value
Holdings 118 stocks · $373.7M
| VONG Vanguard Russell 1000 Growth | 11.66% | 398,999 | $43.6M | Reduce -4.7% |
| FREL Fidelity MSCI RL Est Indx | 5.93% | 820,011 | $22.2M | Add +3.8% |
| IGE iShares North American Natur | 5.86% | 495,124 | $21.9M | Reduce -0.9% |
| IEMG iShares Core MSCI Emerging | 5.74% | 357,392 | $21.5M | Reduce -3.7% |
| IJH iShares Core S&P Midcap ETF | 4.29% | 258,700 | $16.0M | Reduce -11.0% |
| MSFT Microsoft Corp. | 4.18% | 31,425 | $15.6M | Reduce -1.6% |
| NVDA Nvidia Corp. | 3.72% | 88,057 | $13.9M | Reduce -7.3% |
| SPMD SS SPDR P S&P 400 Midcap ETF | 3.38% | 232,206 | $12.6M | Reduce -20.3% |
| EMB iShares JP Morgan Usd Emergi | 3.22% | 129,961 | $12.0M | Add +1.9% |
| AAPL Apple Inc. | 3.19% | 58,164 | $11.9M | Reduce -2.0% |
| AMZN Amazon.com Inc. | 2.35% | 40,094 | $8.8M | Reduce -2.0% |
| GOOG Alphabet Inc. Class C | 2.13% | 44,781 | $7.9M | Add +3.1% |
| JPM JPMorgan Chase & Co. | 1.93% | 24,901 | $7.2M | Reduce -4.4% |
| CZFS Citizens Financial Services | 1.84% | 117,081 | $6.9M | Add +1.0% |
| META Meta Platforms Inc. Class A | 1.70% | 8,621 | $6.4M | Reduce -4.4% |
| CZNC Citizens & Northern Corp. | 1.64% | 323,151 | $6.1M | Reduce -3.4% |
| DFAC Dimensional US Core Equity 2 | 1.55% | 161,211 | $5.8M | Reduce -0.4% |
| MA Mastercard Inc. Class A | 1.23% | 8,168 | $4.6M | Reduce -0.8% |
| COST Costco Wholesale Corp. | 1.21% | 4,581 | $4.5M | Reduce -17.3% |
| MBB iShares MBS ETF | 0.86% | 34,380 | $3.2M | Add +3.3% |
| ORCL Oracle Corp. | 0.85% | 14,452 | $3.2M | Reduce -3.2% |
| PG The Procter & Gamble Co. | 0.80% | 18,759 | $3.0M | Add +1.6% |
| XOM Exxon Mobil Corp. | 0.80% | 27,598 | $3.0M | Reduce -3.6% |
| ABT Abbott Laboratories | 0.79% | 21,796 | $3.0M | Add +1.0% |
| CMG Chipotle Mexican Grill Inc. | 0.73% | 48,493 | $2.7M | Reduce -15.8% |
| NSC Norfolk Southern Corp. | 0.65% | 9,513 | $2.4M | Add +0.2% |
| HD Home Depot Inc. | 0.64% | 6,572 | $2.4M | Reduce -1.3% |
| CRM Salesforce Inc. | 0.64% | 8,821 | $2.4M | Reduce -1.0% |
| CSCO Cisco Systems Inc. | 0.63% | 33,990 | $2.4M | Reduce -0.3% |
| BX Blackstone Inc. | 0.62% | 15,607 | $2.3M | Add +19.1% |
| AMD Advanced Micro Devices | 0.62% | 16,247 | $2.3M | Add +73.3% |
| AVDE Avantis International Equity | 0.61% | 30,873 | $2.3M | Reduce -0.3% |
| COR Cencora Inc. | 0.60% | 7,441 | $2.2M | Add +2.1% |
| GD General Dynamics Corp. | 0.60% | 7,646 | $2.2M | Add +1.0% |
| TJX TJX Companies Inc. filed as TJX COS INC NEW | 0.58% | 17,484 | $2.2M | Reduce -1.1% |
| MDLZ Mondelez International Inc. Class A | 0.58% | 32,011 | $2.2M | Add +2.3% |
| HON Honeywell International Inc. | 0.57% | 9,116 | $2.1M | Reduce -0.7% |
| AMT American Tower Corp. | 0.55% | 9,302 | $2.1M | Add +1.9% |
| SCHW Schwab (charles) Corp. | 0.54% | 21,944 | $2.0M | Reduce -1.1% |
| CVS CVS Health Corp. | 0.52% | 28,324 | $2.0M | Add +2.9% |
| NOW ServiceNow Inc. | 0.51% | 1,853 | $1.9M | Add +2.8% |
| AVGO Broadcom Inc. | 0.50% | 6,812 | $1.9M | Add +439.4% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.46% | 2,793 | $1.7M | No change |
| KO The Coca-Cola Co. | 0.46% | 24,387 | $1.7M | Add +1.3% |
| ADI Analog Devices Inc. | 0.45% | 7,039 | $1.7M | Reduce -29.4% |
| RTX RTX Corp. | 0.44% | 11,383 | $1.7M | New |
| PYPL PayPal Holdings Inc. | 0.43% | 21,812 | $1.6M | Add +35.6% |
| ETN Eaton Corp. PLC | 0.43% | 4,530 | $1.6M | Add +0.1% |
| DIS The Walt Disney Co. filed as DISNEY WALT CO | 0.43% | 13,032 | $1.6M | Add +1.2% |
| CMCSA Comcast Corp. Class A | 0.43% | 44,900 | $1.6M | Add +0.5% |
| GSK GSK PLC-Spon ADR | 0.43% | 41,436 | $1.6M | Add +3.6% |
| PANW Palo Alto Networks Inc. | 0.42% | 7,752 | $1.6M | Reduce -33.9% |
| ACN Accenture PLC Class A | 0.42% | 5,280 | $1.6M | Add +4.4% |
| ICE Intercontinental Exchange Inc. | 0.42% | 8,585 | $1.6M | Reduce -21.9% |
| ADBE Adobe Inc. | 0.42% | 4,066 | $1.6M | Add +3.5% |
| TFC Truist Financial Corp. | 0.42% | 36,476 | $1.6M | Reduce -3.4% |
| BLK BlackRock Inc. | 0.39% | 1,402 | $1.5M | Reduce -2.8% |
| CARR Carrier Global Corp. | 0.39% | 20,056 | $1.5M | New |
| MRSH Marsh & McLennan Cos | 0.39% | 6,705 | $1.5M | Reduce -19.5% |
| BA The Boeing Co. | 0.35% | 6,316 | $1.3M | Reduce -4.3% |
| JNJ Johnson & Johnson | 0.35% | 8,536 | $1.3M | Add +230.6% |
| NEE Nextera Energy Inc. | 0.33% | 17,993 | $1.2M | Add +2.0% |
| SLB SLB Ltd. filed as SCHLUMBERGER LTD | 0.33% | 36,258 | $1.2M | Reduce -3.7% |
| UNP Union Pacific Corp. | 0.33% | 5,295 | $1.2M | Reduce -7.0% |
| PFE Pfizer Inc. | 0.32% | 49,935 | $1.2M | Add +35.0% |
| CDW CDW Corp. | 0.32% | 6,702 | $1.2M | Reduce -1.2% |
| ZBH Zimmer Biomet Holdings Inc. | 0.32% | 12,908 | $1.2M | Add +2.3% |
| NKE Nike Inc. Class B | 0.31% | 16,410 | $1.2M | Reduce -4.5% |
| AVUS Avantis U.S. Equity ETF | 0.31% | 11,523 | $1.2M | Reduce -2.5% |
| CVX Chevron Corp. | 0.31% | 8,041 | $1.2M | Reduce -8.2% |
| BDX Becton Dickinson and Co. | 0.30% | 6,569 | $1.1M | Add +31.7% |
| DIA SS SPDR Dow Jones Indus Avg filed as SPDR DOW JONES INDL AVERAGE | 0.30% | 2,543 | $1.1M | No change |
| BNDX Vanguard Total Intl Bond ETF | 0.30% | 22,612 | $1.1M | Add +4.2% |
| FDX FedEx Corp. | 0.29% | 4,829 | $1.1M | Reduce -0.5% |
| EOG EOG Resources Inc. | 0.29% | 8,921 | $1.1M | Reduce -2.5% |
| BBWI Bath & Body Works Inc. | 0.28% | 35,410 | $1.1M | Reduce -0.1% |
| GLW Corning Inc. | 0.28% | 19,658 | $1.0M | Reduce -0.5% |
| MCD McDonald's Corp. | 0.25% | 3,163 | $924K | Reduce -32.4% |
| BMY Bristol-Myers Squibb Co. | 0.24% | 19,646 | $909K | Add +1.1% |
| IWF iShares Russell 1000 Growth | 0.24% | 2,136 | $907K | Add +0.9% |
| BIIB Biogen Inc. | 0.24% | 7,028 | $883K | Add +49.1% |
| VIG Vanguard Dividend Apprec ETF | 0.23% | 4,123 | $844K | Add +0.1% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.23% | 2,859 | $843K | Reduce -12.6% |
| SPTL SS SPDR PF LNG TRM TSY E-Usd | 0.22% | 30,543 | $812K | Reduce -2.8% |
| FCX Freeport-McMoran Inc. | 0.21% | 18,019 | $781K | Reduce -4.9% |
| DD Dupont DE Nemours Inc. | 0.21% | 11,376 | $780K | Reduce -1.3% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.20% | 1,574 | $765K | Reduce -10.1% |
| MTB M & T Bank Corp. filed as M & T BK CORP | 0.20% | 3,891 | $755K | Add +39.8% |
| VZ Verizon Communications Inc. | 0.18% | 15,664 | $678K | Reduce -0.5% |
| ROP Roper Technologies Inc. | 0.17% | 1,115 | $632K | No change |
| SUB iShares Short-Term National | 0.17% | 5,929 | $630K | No change |
| HAL Halliburton Co. | 0.16% | 30,075 | $613K | Reduce -5.4% |
| IWD iShares Russell 1000 Value E | 0.15% | 2,967 | $576K | No change |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | 0.15% | 7,019 | $566K | Add +2.7% |
| TIP iShares Tips Bond ETF | 0.15% | 5,134 | $565K | Reduce -3.0% |
| SPTS SS SPDR P St Term TSY ETF | 0.15% | 18,925 | $554K | New |
| DFIC Dimensional International Co. | 0.14% | 17,326 | $539K | No change |
| T AT&T Inc. | 0.13% | 17,047 | $493K | Reduce -3.2% |
| ITW Illinois Tool Works | 0.12% | 1,876 | $464K | Add +0.4% |
| DE Deere & Co. | 0.12% | 886 | $451K | No change |
Portfolio Sells Q1 2025 → Q2 2025
| SPMD SS SPDR P S&P 400 Midcap ETF | Reduce -20.3% | 3.38% | −0.82 |
| IGE iShares North American Natur | Reduce -0.9% | 5.86% | −0.54 |
| AAPL Apple Inc. | Reduce -2.0% | 3.19% | −0.52 |
| IJH iShares Core S&P Midcap ETF | Reduce -11.0% | 4.29% | −0.49 |
| MAS Masco Corp. | Sold out | 0.00% | −0.42 |
| GWW WW Grainger Inc. | Reduce -82.5% | 0.08% | −0.37 |
| COST Costco Wholesale Corp. | Reduce -17.3% | 1.21% | −0.26 |
| CZNC Citizens & Northern Corp. | Reduce -3.4% | 1.64% | −0.26 |
| MCHP Microchip Technology Inc. | Sold out | 0.00% | −0.21 |
| MRSH Marsh & McLennan Cos | Reduce -19.5% | 0.39% | −0.18 |
| MCD McDonald's Corp. | Reduce -32.4% | 0.25% | −0.16 |
| XOM Exxon Mobil Corp. | Reduce -3.6% | 0.80% | −0.16 |
| PANW Palo Alto Networks Inc. | Reduce -33.9% | 0.42% | −0.14 |
| ADI Analog Devices Inc. | Reduce -29.4% | 0.45% | −0.12 |
| SLB SLB Ltd. | Reduce -3.7% | 0.33% | −0.12 |
| ICE Intercontinental Exchange Inc. | Reduce -21.9% | 0.42% | −0.11 |
| CVX Chevron Corp. | Reduce -8.2% | 0.31% | −0.10 |
| CMG Chipotle Mexican Grill Inc. | Reduce -15.8% | 0.73% | −0.09 |
| V Visa Inc. Class A | Sold out | 0.00% | −0.08 |
| HAL Halliburton Co. | Reduce -5.4% | 0.16% | −0.06 |
| AZN Astrazeneca PLC-Spons ADR | Sold out | 0.00% | −0.06 |
| BRK.B Berkshire Hathaway Inc. Class B | Reduce -10.1% | 0.20% | −0.06 |
| VNQ Vanguard Real Estate ETF | Sold out | 0.00% | −0.06 |
| MGK Vngrd Mrgstr MG CP GR ETF-Ui | Sold out | 0.00% | −0.06 |
| UNP Union Pacific Corp. | Reduce -7.0% | 0.33% | −0.05 |
| EOG EOG Resources Inc. | Reduce -2.5% | 0.29% | −0.05 |
| MA Mastercard Inc. Class A | Reduce -0.8% | 1.23% | −0.04 |
| HD Home Depot Inc. | Reduce -1.3% | 0.64% | −0.04 |
| FDX FedEx Corp. | Reduce -0.5% | 0.29% | −0.04 |
| DD Dupont DE Nemours Inc. | Reduce -1.3% | 0.21% | −0.03 |
| CRM Salesforce Inc. | Reduce -1.0% | 0.64% | −0.03 |
| TJX TJX Companies Inc. | Reduce -1.1% | 0.58% | −0.03 |
| WMT Walmart Inc. | Reduce -29.0% | 0.09% | −0.03 |
| SPTL SS SPDR PF LNG TRM TSY E-Usd | Reduce -2.8% | 0.22% | −0.02 |
| VZ Verizon Communications Inc. | Reduce -0.5% | 0.18% | −0.02 |
| BBWI Bath & Body Works Inc. | Reduce -0.1% | 0.28% | −0.02 |
| LLY Eli Lilly & Co. | Reduce -15.8% | 0.06% | −0.02 |
| TFC Truist Financial Corp. | Reduce -3.4% | 0.42% | −0.02 |
| TIP iShares Tips Bond ETF | Reduce -3.0% | 0.15% | −0.01 |
| T AT&T Inc. | Reduce -3.2% | 0.13% | −0.01 |
| IBM Intl Business Machines Corp. | Reduce -12.6% | 0.23% | −0.00 |
| DFEM Dimensional Emrg MRKT Core | Reduce -8.9% | 0.05% | −0.00 |
| IVV iShares Core S&P 500 ETF | Reduce -5.0% | 0.09% | −0.00 |
| AVUS Avantis U.S. Equity ETF | Reduce -2.5% | 0.31% | +0.00 |
| NKE Nike Inc. Class B | Reduce -4.5% | 0.31% | +0.00 |
| FCX Freeport-McMoran Inc. | Reduce -4.9% | 0.21% | +0.01 |
| BLK BlackRock Inc. | Reduce -2.8% | 0.39% | +0.01 |
| CDW CDW Corp. | Reduce -1.2% | 0.32% | +0.01 |
| HON Honeywell International Inc. | Reduce -0.7% | 0.57% | +0.02 |
| GLW Corning Inc. | Reduce -0.5% | 0.28% | +0.02 |
Portfolio Buys Q1 2025 → Q2 2025
| RTX RTX Corp. | New | 0.44% | +0.44 |
| AVGO Broadcom Inc. | Add +439.4% | 0.50% | +0.44 |
| CARR Carrier Global Corp. | New | 0.39% | +0.39 |
| AMD Advanced Micro Devices | Add +73.3% | 0.62% | +0.35 |
| JNJ Johnson & Johnson | Add +230.6% | 0.35% | +0.23 |
| GOOG Alphabet Inc. Class C | Add +3.1% | 2.13% | +0.21 |
| SPTS SS SPDR P St Term TSY ETF | New | 0.15% | +0.15 |
| PYPL PayPal Holdings Inc. | Add +35.6% | 0.43% | +0.14 |
| BX Blackstone Inc. | Add +19.1% | 0.62% | +0.11 |
| NOW ServiceNow Inc. | Add +2.8% | 0.51% | +0.11 |
| ETN Eaton Corp. PLC | Add +0.1% | 0.43% | +0.09 |
| DIS The Walt Disney Co. | Add +1.2% | 0.43% | +0.07 |
| BNDC NT Core Bond ETF | New | 0.07% | +0.07 |
| MTB M & T Bank Corp. | Add +39.8% | 0.20% | +0.06 |
| PFE Pfizer Inc. | Add +35.0% | 0.32% | +0.06 |
| ROK Rockwell Automation Inc. | New | 0.06% | +0.06 |
| ESG NT Stoxx US ESG ETF | New | 0.06% | +0.06 |
| BIIB Biogen Inc. | Add +49.1% | 0.24% | +0.05 |
| IWF iShares Russell 1000 Growth | Add +0.9% | 0.24% | +0.03 |
| COR Cencora Inc. | Add +2.1% | 0.60% | +0.03 |
| NSC Norfolk Southern Corp. | Add +0.2% | 0.65% | +0.02 |
| GD General Dynamics Corp. | Add +1.0% | 0.60% | +0.01 |
| CAT Caterpillar Inc. | Add +2.0% | 0.10% | +0.01 |
| FDS Factset Research Systems Inc. | Add +15.1% | 0.06% | +0.00 |
| DGX Quest Diagnostics Inc. | Add +1.8% | 0.08% | +0.00 |
| BNDX Vanguard Total Intl Bond ETF | Add +4.2% | 0.30% | +0.00 |
| VIG Vanguard Dividend Apprec ETF | Add +0.1% | 0.23% | +0.00 |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | Add +2.7% | 0.15% | −0.00 |
| CVS CVS Health Corp. | Add +2.9% | 0.52% | −0.00 |
| ADBE Adobe Inc. | Add +3.5% | 0.42% | −0.00 |
| PGR Progressive Corp. | Add +1.8% | 0.06% | −0.01 |
| ITW Illinois Tool Works | Add +0.4% | 0.12% | −0.01 |
| AMT American Tower Corp. | Add +1.9% | 0.55% | −0.01 |
| GSK GSK PLC-Spon ADR | Add +3.6% | 0.43% | −0.01 |
| ABT Abbott Laboratories | Add +1.0% | 0.79% | −0.01 |
| MBB iShares MBS ETF | Add +3.3% | 0.86% | −0.02 |
| NEE Nextera Energy Inc. | Add +2.0% | 0.33% | −0.02 |
| BDX Becton Dickinson and Co. | Add +31.7% | 0.30% | −0.02 |
| MDLZ Mondelez International Inc. Class A | Add +2.3% | 0.58% | −0.02 |
| ACN Accenture PLC Class A | Add +4.4% | 0.42% | −0.02 |
| KO The Coca-Cola Co. | Add +1.3% | 0.46% | −0.02 |
| CMCSA Comcast Corp. Class A | Add +0.5% | 0.43% | −0.04 |
| EMB iShares JP Morgan Usd Emergi | Add +1.9% | 3.22% | −0.04 |
| CZFS Citizens Financial Services | Add +1.0% | 1.84% | −0.06 |
| PG The Procter & Gamble Co. | Add +1.6% | 0.80% | −0.09 |
| ZBH Zimmer Biomet Holdings Inc. | Add +2.3% | 0.32% | −0.09 |
| BMY Bristol-Myers Squibb Co. | Add +1.1% | 0.24% | −0.09 |
| FREL Fidelity MSCI RL Est Indx | Add +3.8% | 5.93% | −0.19 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 117 | $437.7M | VONG, IEMG, FREL, IGE, IJH |
| Q1 2026 | 119 | $401.0M | VONG, FREL, IGE, IEMG, IJH |
| Q4 2025 | 124 | $403.6M | VONG, FREL, IGE, IEMG, IJH |
| Q3 2025 | 121 | $403.5M | VONG, IGE, IEMG, FREL, IJH |
| Q2 2025 | 118 | $373.7M | VONG, FREL, IGE, IEMG, IJH |
| Q1 2025 | 118 | $354.7M | VONG, IGE, FREL, IEMG, IJH |
| Q4 2024 | 126 | $365.1M | VONG, FREL, IGE, IEMG, IJH |
| Q3 2024 | 126 | $333.1M | VONG, FREL, GUNR, IJH, SPMD |
| Q2 2024 | 118 | $319.7M | VONG, GUNR, FREL, SPMD, MSFT |
| Q1 2024 | 109 | $295.7M | VONG, GUNR, FREL, SPMD, MSFT |