Citizens & Northern Corp.

Name: CITIZENS & NORTHERN CORP 13F holdings, Q2 2025
Creator: CITIZENS & NORTHERN CORP
Published: 2025-07-30

Q2 2026Q1 2026Q4 2025Q3 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024

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
AVEM Avantis Emerging Markets Eq	0.11%	6,023	$413K	No change
CAT Caterpillar Inc.	0.10%	951	$369K	Add +2.0%
NFG National Fuel Gas Co.	0.09%	4,012	$340K	No change
WMT Walmart Inc.	0.09%	3,313	$324K	Reduce -29.0%
IVV iShares Core S&P 500 ETF	0.09%	512	$318K	Reduce -5.0%
DGX Quest Diagnostics Inc.	0.08%	1,720	$309K	Add +1.8%
GWW WW Grainger Inc. filed as GRAINGER W W INC	0.08%	281	$292K	Reduce -82.5%
VT Vanguard Tot World STK ETF	0.07%	2,000	$257K	No change
LOW Lowe's Cos Inc.	0.07%	1,126	$250K	No change
BNDC NT Core Bond ETF	0.07%	10,973	$244K	New
FDS Factset Research Systems Inc.	0.06%	510	$228K	Add +15.1%
VTEB Vanguard Tax-Exempt Bond ETF	0.06%	4,612	$226K	No change
ROK Rockwell Automation Inc.	0.06%	666	$221K	New
LLY Eli Lilly & Co.	0.06%	282	$220K	Reduce -15.8%
ESG NT Stoxx US ESG ETF	0.06%	1,456	$214K	New
PGR Progressive Corp.	0.06%	782	$209K	Add +1.8%
DFEM Dimensional Emrg MRKT Core	0.05%	6,890	$204K	Reduce -8.9%
F Ford Motor Co. filed as FORD MTR CO	0.04%	12,373	$134K	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