Citizens & Northern Corp.
In its 13F for Q3 2025 (holdings as of September 30, 2025, filed October 24, 2025), Citizens & Northern Corp. reported 121 stock positions worth $403.5 million. Its top holding was Vanguard Russell 1000 Growth (VONG) at 11.8% of the portfolio, followed by iShares North American Natur (IGE, 6.0%) and iShares Core MSCI Emerging (IEMG, 5.8%). Compared with Q2 2025, it opened 5 new positions, sold out of 2, added to 48 and reduced 46. The biggest buy was Dimensional US Core Equity 2 (DFAC, shares +44%) and the biggest sale Chipotle Mexican Grill (CMG, shares −1%).
- Most Recent 13F
- Q2 2026
- Location
- WELLSBORO, PA
- CIK
- 0000810958
- Portfolio Value
- $403.5M (Q3 2025)
- SEC Filing
- 0001104659-25-102075 ↗ filed Oct 24, 2025
Holdings Value
Holdings 121 stocks · $403.5M
| VONG Vanguard Russell 1000 Growth | 11.85% | 396,768 | $47.8M | Reduce -0.6% |
| IGE iShares North American Natur | 6.02% | 495,504 | $24.3M | Add +0.1% |
| IEMG iShares Core MSCI Emerging | 5.83% | 356,787 | $23.5M | Reduce -0.2% |
| FREL Fidelity MSCI RL Est Indx | 5.67% | 822,330 | $22.9M | Add +0.3% |
| IJH iShares Core S&P Midcap ETF | 4.18% | 258,315 | $16.9M | Reduce -0.1% |
| NVDA Nvidia Corp. | 4.07% | 88,031 | $16.4M | Reduce -0.0% |
| MSFT Microsoft Corp. | 4.01% | 31,231 | $16.2M | Reduce -0.6% |
| AAPL Apple Inc. | 3.65% | 57,868 | $14.7M | Reduce -0.5% |
| SPMD SS SPDR P S&P 400 Midcap ETF | 3.29% | 232,382 | $13.3M | Add +0.1% |
| EMB iShares JP Morgan Usd Emergi | 3.08% | 130,662 | $12.4M | Add +0.5% |
| GOOG Alphabet Inc. Class C | 2.73% | 45,184 | $11.0M | Add +0.9% |
| DFAC Dimensional US Core Equity 2 | 2.22% | 232,401 | $9.0M | Add +44.2% |
| AMZN Amazon.com Inc. | 2.18% | 39,998 | $8.8M | Reduce -0.2% |
| JPM JPMorgan Chase & Co. | 1.93% | 24,674 | $7.8M | Reduce -0.9% |
| CZFS Citizens Financial Services | 1.75% | 117,081 | $7.1M | No change |
| META Meta Platforms Inc. Class A | 1.59% | 8,713 | $6.4M | Add +1.1% |
| CZNC Citizens & Northern Corp. | 1.58% | 321,089 | $6.4M | Reduce -0.6% |
| MA Mastercard Inc. Class A | 1.15% | 8,176 | $4.7M | Add +0.1% |
| COST Costco Wholesale Corp. | 1.05% | 4,594 | $4.3M | Add +0.3% |
| ORCL Oracle Corp. | 1.01% | 14,484 | $4.1M | Add +0.2% |
| AVDE Avantis International Equity | 1.00% | 51,058 | $4.0M | Add +65.4% |
| MBB iShares MBS ETF | 0.81% | 34,380 | $3.3M | No change |
| XOM Exxon Mobil Corp. | 0.77% | 27,555 | $3.1M | Reduce -0.2% |
| ABT Abbott Laboratories | 0.73% | 21,875 | $2.9M | Add +0.4% |
| PG The Procter & Gamble Co. | 0.71% | 18,756 | $2.9M | Reduce -0.0% |
| NSC Norfolk Southern Corp. | 0.71% | 9,550 | $2.9M | Add +0.4% |
| HD Home Depot Inc. | 0.66% | 6,579 | $2.7M | Add +0.1% |
| BX Blackstone Inc. | 0.66% | 15,602 | $2.7M | Reduce -0.0% |
| AMD Advanced Micro Devices | 0.64% | 15,985 | $2.6M | Reduce -1.6% |
| GD General Dynamics Corp. | 0.64% | 7,542 | $2.6M | Reduce -1.4% |
| TJX TJX Companies Inc. filed as TJX COS INC NEW | 0.63% | 17,457 | $2.5M | Reduce -0.1% |
| COR Cencora Inc. | 0.58% | 7,451 | $2.3M | Add +0.1% |
| CSCO Cisco Systems Inc. | 0.58% | 34,033 | $2.3M | Add +0.1% |
| AVGO Broadcom Inc. | 0.53% | 6,523 | $2.2M | Reduce -4.2% |
| CVS CVS Health Corp. | 0.53% | 28,256 | $2.1M | Reduce -0.2% |
| SCHW Schwab (charles) Corp. | 0.52% | 22,098 | $2.1M | Add +0.7% |
| CRM Salesforce Inc. | 0.52% | 8,850 | $2.1M | Add +0.3% |
| MDLZ Mondelez International Inc. Class A | 0.49% | 31,559 | $2.0M | Reduce -1.4% |
| HON Honeywell International Inc. | 0.48% | 9,209 | $1.9M | Add +1.0% |
| CMG Chipotle Mexican Grill Inc. | 0.47% | 48,140 | $1.9M | Reduce -0.7% |
| RTX RTX Corp. | 0.47% | 11,271 | $1.9M | Reduce -1.0% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.46% | 2,793 | $1.9M | No change |
| AMT American Tower Corp. | 0.45% | 9,352 | $1.8M | Add +0.5% |
| GSK GSK PLC-Spon ADR | 0.44% | 41,530 | $1.8M | Add +0.2% |
| ADI Analog Devices Inc. | 0.43% | 7,116 | $1.7M | Add +1.1% |
| ETN Eaton Corp. PLC | 0.42% | 4,582 | $1.7M | Add +1.1% |
| NOW ServiceNow Inc. | 0.42% | 1,856 | $1.7M | Add +0.2% |
| KO The Coca-Cola Co. | 0.40% | 24,453 | $1.6M | Add +0.3% |
| GLW Corning Inc. | 0.40% | 19,658 | $1.6M | No change |
| PANW Palo Alto Networks Inc. | 0.39% | 7,715 | $1.6M | Reduce -0.5% |
| TFC Truist Financial Corp. | 0.39% | 34,348 | $1.6M | Reduce -5.8% |
| BLK BlackRock Inc. | 0.38% | 1,314 | $1.5M | Reduce -6.3% |
| JNJ Johnson & Johnson | 0.38% | 8,245 | $1.5M | Reduce -3.4% |
| DIS The Walt Disney Co. filed as DISNEY WALT CO | 0.37% | 13,134 | $1.5M | Add +0.8% |
| AVUS Avantis U.S. Equity ETF | 0.37% | 13,829 | $1.5M | Add +20.0% |
| PYPL PayPal Holdings Inc. | 0.37% | 22,206 | $1.5M | Add +1.8% |
| ICE Intercontinental Exchange Inc. | 0.36% | 8,612 | $1.5M | Add +0.3% |
| ADBE Adobe Inc. | 0.36% | 4,065 | $1.4M | Reduce -0.0% |
| CMCSA Comcast Corp. Class A | 0.35% | 45,149 | $1.4M | Add +0.6% |
| ACN Accenture PLC Class A | 0.35% | 5,724 | $1.4M | Add +8.4% |
| BA The Boeing Co. | 0.34% | 6,331 | $1.4M | Add +0.2% |
| NEE Nextera Energy Inc. | 0.34% | 18,099 | $1.4M | Add +0.6% |
| MRSH Marsh & McLennan Cos | 0.34% | 6,728 | $1.4M | Add +0.3% |
| PFE Pfizer Inc. | 0.31% | 49,753 | $1.3M | Reduce -0.4% |
| ZBH Zimmer Biomet Holdings Inc. | 0.31% | 12,848 | $1.3M | Reduce -0.5% |
| BDX Becton Dickinson and Co. | 0.31% | 6,756 | $1.3M | Add +2.9% |
| SLB SLB Ltd. filed as SCHLUMBERGER LTD | 0.31% | 36,247 | $1.2M | Reduce -0.0% |
| CVX Chevron Corp. | 0.30% | 7,842 | $1.2M | Reduce -2.5% |
| CARR Carrier Global Corp. | 0.30% | 20,194 | $1.2M | Add +0.7% |
| UNP Union Pacific Corp. | 0.30% | 5,044 | $1.2M | Reduce -4.7% |
| DIA SS SPDR Dow Jones Indus Avg filed as SPDR DOW JONES INDL AVERAGE | 0.29% | 2,543 | $1.2M | No change |
| NKE Nike Inc. Class B | 0.29% | 16,798 | $1.2M | Add +2.4% |
| BNDX Vanguard Total Intl Bond ETF | 0.28% | 22,612 | $1.1M | No change |
| FDX FedEx Corp. | 0.26% | 4,518 | $1.1M | Reduce -6.4% |
| EOG EOG Resources Inc. | 0.25% | 8,947 | $1.0M | Add +0.3% |
| IWF iShares Russell 1000 Growth | 0.25% | 2,136 | $1.0M | No change |
| CDW CDW Corp. | 0.24% | 6,196 | $987K | Reduce -7.5% |
| BIIB Biogen Inc. | 0.24% | 6,996 | $980K | Reduce -0.5% |
| MCD McDonald's Corp. | 0.24% | 3,173 | $964K | Add +0.3% |
| BBWI Bath & Body Works Inc. | 0.23% | 35,558 | $916K | Add +0.4% |
| DD Dupont DE Nemours Inc. | 0.22% | 11,474 | $894K | Add +0.9% |
| BMY Bristol-Myers Squibb Co. | 0.22% | 19,605 | $884K | Reduce -0.2% |
| VIG Vanguard Dividend Apprec ETF | 0.21% | 4,001 | $863K | Reduce -3.0% |
| SPTL SS SPDR PF LNG TRM TSY E-Usd | 0.20% | 30,396 | $819K | Reduce -0.5% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.20% | 2,859 | $807K | No change |
| BRK.B Berkshire Hathaway Inc. Class B | 0.19% | 1,524 | $766K | Reduce -3.2% |
| AVEM Avantis Emerging Markets Eq | 0.19% | 10,143 | $762K | Add +68.4% |
| VZ Verizon Communications Inc. | 0.18% | 16,640 | $731K | Add +6.2% |
| FCX Freeport-McMoran Inc. | 0.18% | 18,219 | $715K | Add +1.1% |
| HAL Halliburton Co. | 0.17% | 27,878 | $686K | Reduce -7.3% |
| MTB M & T Bank Corp. filed as M & T BK CORP | 0.17% | 3,384 | $669K | Reduce -13.0% |
| SUB iShares Short-Term National | 0.16% | 5,929 | $633K | No change |
| SPTS SS SPDR P St Term TSY ETF | 0.15% | 20,294 | $595K | Add +7.2% |
| IWD iShares Russell 1000 Value E | 0.14% | 2,819 | $574K | Reduce -5.0% |
| TIP iShares Tips Bond ETF | 0.14% | 5,134 | $571K | No change |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | 0.14% | 7,019 | $570K | No change |
| DFIC Dimensional International Co. | 0.14% | 17,326 | $568K | No change |
| ROP Roper Technologies Inc. | 0.14% | 1,115 | $556K | No change |
| CAT Caterpillar Inc. | 0.13% | 1,130 | $539K | Add +18.8% |
| ITW Illinois Tool Works | 0.12% | 1,876 | $489K | No change |
Portfolio Sells Q2 2025 → Q3 2025
| CMG Chipotle Mexican Grill Inc. | Reduce -0.7% | 0.47% | −0.26 |
| AMZN Amazon.com Inc. | Reduce -0.2% | 2.18% | −0.18 |
| MSFT Microsoft Corp. | Reduce -0.6% | 4.01% | −0.17 |
| IJH iShares Core S&P Midcap ETF | Reduce -0.1% | 4.18% | −0.12 |
| MDLZ Mondelez International Inc. Class A | Reduce -1.4% | 0.49% | −0.09 |
| PG The Procter & Gamble Co. | Reduce -0.0% | 0.71% | −0.09 |
| CDW CDW Corp. | Reduce -7.5% | 0.24% | −0.08 |
| ADBE Adobe Inc. | Reduce -0.0% | 0.36% | −0.07 |
| CZNC Citizens & Northern Corp. | Reduce -0.6% | 1.58% | −0.06 |
| FDS Factset Research Systems Inc. | Sold out | 0.00% | −0.06 |
| ESG NT Stoxx US ESG ETF | Sold out | 0.00% | −0.06 |
| MTB M & T Bank Corp. | Reduce -13.0% | 0.17% | −0.04 |
| PANW Palo Alto Networks Inc. | Reduce -0.5% | 0.39% | −0.04 |
| UNP Union Pacific Corp. | Reduce -4.7% | 0.30% | −0.03 |
| TFC Truist Financial Corp. | Reduce -5.8% | 0.39% | −0.03 |
| FDX FedEx Corp. | Reduce -6.4% | 0.26% | −0.03 |
| XOM Exxon Mobil Corp. | Reduce -0.2% | 0.77% | −0.03 |
| BMY Bristol-Myers Squibb Co. | Reduce -0.2% | 0.22% | −0.02 |
| SLB SLB Ltd. | Reduce -0.0% | 0.31% | −0.02 |
| WMT Walmart Inc. | Reduce -16.7% | 0.07% | −0.02 |
| GWW WW Grainger Inc. | Reduce -5.0% | 0.06% | −0.02 |
| BRK.B Berkshire Hathaway Inc. Class B | Reduce -3.2% | 0.19% | −0.01 |
| SPTL SS SPDR PF LNG TRM TSY E-Usd | Reduce -0.5% | 0.20% | −0.01 |
| BLK BlackRock Inc. | Reduce -6.3% | 0.38% | −0.01 |
| T AT&T Inc. | Reduce -0.1% | 0.12% | −0.01 |
| IWD iShares Russell 1000 Value E | Reduce -5.0% | 0.14% | −0.01 |
| VIG Vanguard Dividend Apprec ETF | Reduce -3.0% | 0.21% | −0.01 |
| PFE Pfizer Inc. | Reduce -0.4% | 0.31% | −0.01 |
| DGX Quest Diagnostics Inc. | Reduce -8.5% | 0.07% | −0.01 |
| BNDC NT Core Bond ETF | Reduce -3.7% | 0.06% | −0.01 |
| CVX Chevron Corp. | Reduce -2.5% | 0.30% | −0.01 |
| VTEB Vanguard Tax-Exempt Bond ETF | Reduce -1.4% | 0.06% | −0.00 |
| JPM JPMorgan Chase & Co. | Reduce -0.9% | 1.93% | −0.00 |
| ZBH Zimmer Biomet Holdings Inc. | Reduce -0.5% | 0.31% | −0.00 |
| CVS CVS Health Corp. | Reduce -0.2% | 0.53% | +0.01 |
| HAL Halliburton Co. | Reduce -7.3% | 0.17% | +0.01 |
| BIIB Biogen Inc. | Reduce -0.5% | 0.24% | +0.01 |
| RTX RTX Corp. | Reduce -1.0% | 0.47% | +0.02 |
| AMD Advanced Micro Devices | Reduce -1.6% | 0.64% | +0.02 |
| JNJ Johnson & Johnson | Reduce -3.4% | 0.38% | +0.03 |
| AVGO Broadcom Inc. | Reduce -4.2% | 0.53% | +0.03 |
| BX Blackstone Inc. | Reduce -0.0% | 0.66% | +0.04 |
| GD General Dynamics Corp. | Reduce -1.4% | 0.64% | +0.04 |
| TJX TJX Companies Inc. | Reduce -0.1% | 0.63% | +0.05 |
| IEMG iShares Core MSCI Emerging | Reduce -0.2% | 5.83% | +0.09 |
| VONG Vanguard Russell 1000 Growth | Reduce -0.6% | 11.85% | +0.19 |
| NVDA Nvidia Corp. | Reduce -0.0% | 4.07% | +0.35 |
| AAPL Apple Inc. | Reduce -0.5% | 3.65% | +0.46 |
Portfolio Buys Q2 2025 → Q3 2025
| DFAC Dimensional US Core Equity 2 | Add +44.2% | 2.22% | +0.68 |
| GOOG Alphabet Inc. Class C | Add +0.9% | 2.73% | +0.60 |
| AVDE Avantis International Equity | Add +65.4% | 1.00% | +0.39 |
| ORCL Oracle Corp. | Add +0.2% | 1.01% | +0.16 |
| IGE iShares North American Natur | Add +0.1% | 6.02% | +0.16 |
| AVEM Avantis Emerging Markets Eq | Add +68.4% | 0.19% | +0.08 |
| CMI Cummins Inc. | New | 0.06% | +0.06 |
| AVUS Avantis U.S. Equity ETF | Add +20.0% | 0.37% | +0.06 |
| VNQ Vanguard Real Estate ETF | New | 0.06% | +0.06 |
| NSC Norfolk Southern Corp. | Add +0.4% | 0.71% | +0.06 |
| GOOGL Alphabet Inc. Class A | New | 0.06% | +0.06 |
| SYY Sysco Corp. | New | 0.05% | +0.05 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | New | 0.05% | +0.05 |
| CAT Caterpillar Inc. | Add +18.8% | 0.13% | +0.03 |
| DFEM Dimensional Emrg MRKT Core | Add +58.5% | 0.09% | +0.03 |
| GSK GSK PLC-Spon ADR | Add +0.2% | 0.44% | +0.02 |
| HD Home Depot Inc. | Add +0.1% | 0.66% | +0.02 |
| DD Dupont DE Nemours Inc. | Add +0.9% | 0.22% | +0.01 |
| BDX Becton Dickinson and Co. | Add +2.9% | 0.31% | +0.01 |
| NEE Nextera Energy Inc. | Add +0.6% | 0.34% | +0.00 |
| VZ Verizon Communications Inc. | Add +6.2% | 0.18% | −0.00 |
| SPTS SS SPDR P St Term TSY ETF | Add +7.2% | 0.15% | −0.00 |
| PGR Progressive Corp. | Add +9.7% | 0.05% | −0.00 |
| ETN Eaton Corp. PLC | Add +1.1% | 0.42% | −0.01 |
| MCD McDonald's Corp. | Add +0.3% | 0.24% | −0.01 |
| SCHW Schwab (charles) Corp. | Add +0.7% | 0.52% | −0.01 |
| ADI Analog Devices Inc. | Add +1.1% | 0.43% | −0.02 |
| BA The Boeing Co. | Add +0.2% | 0.34% | −0.02 |
| COR Cencora Inc. | Add +0.1% | 0.58% | −0.02 |
| NKE Nike Inc. Class B | Add +2.4% | 0.29% | −0.02 |
| FCX Freeport-McMoran Inc. | Add +1.1% | 0.18% | −0.03 |
| EOG EOG Resources Inc. | Add +0.3% | 0.25% | −0.04 |
| CSCO Cisco Systems Inc. | Add +0.1% | 0.58% | −0.05 |
| MRSH Marsh & McLennan Cos | Add +0.3% | 0.34% | −0.06 |
| BBWI Bath & Body Works Inc. | Add +0.4% | 0.23% | −0.06 |
| DIS The Walt Disney Co. | Add +0.8% | 0.37% | −0.06 |
| KO The Coca-Cola Co. | Add +0.3% | 0.40% | −0.06 |
| ICE Intercontinental Exchange Inc. | Add +0.3% | 0.36% | −0.06 |
| PYPL PayPal Holdings Inc. | Add +1.8% | 0.37% | −0.06 |
| ABT Abbott Laboratories | Add +0.4% | 0.73% | −0.07 |
| ACN Accenture PLC Class A | Add +8.4% | 0.35% | −0.07 |
| MA Mastercard Inc. Class A | Add +0.1% | 1.15% | −0.08 |
| CMCSA Comcast Corp. Class A | Add +0.6% | 0.35% | −0.08 |
| SPMD SS SPDR P S&P 400 Midcap ETF | Add +0.1% | 3.29% | −0.09 |
| NOW ServiceNow Inc. | Add +0.2% | 0.42% | −0.09 |
| HON Honeywell International Inc. | Add +1.0% | 0.48% | −0.09 |
| CARR Carrier Global Corp. | Add +0.7% | 0.30% | −0.09 |
| AMT American Tower Corp. | Add +0.5% | 0.45% | −0.10 |
| META Meta Platforms Inc. Class A | Add +1.1% | 1.59% | −0.12 |
| CRM Salesforce Inc. | Add +0.3% | 0.52% | −0.12 |
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 |