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

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

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
T AT&T Inc. 0.12% 17,037 $481K Reduce -0.1%
DE Deere & Co. 0.10% 886 $405K No change
NFG National Fuel Gas Co. 0.09% 4,012 $371K No change
DFEM Dimensional Emrg MRKT Core 0.09% 10,923 $350K Add +58.5%
IVV iShares Core S&P 500 ETF 0.08% 512 $343K No change
DGX Quest Diagnostics Inc. 0.07% 1,574 $300K Reduce -8.5%
WMT Walmart Inc. 0.07% 2,760 $284K Reduce -16.7%
LOW Lowe's Cos Inc. 0.07% 1,126 $283K No change
VT Vanguard Tot World STK ETF 0.07% 2,000 $276K No change
GWW WW Grainger Inc. filed as GRAINGER W W INC 0.06% 267 $254K Reduce -5.0%
CMI Cummins Inc. 0.06% 600 $253K New
VNQ Vanguard Real Estate ETF 0.06% 2,683 $245K New
BNDC NT Core Bond ETF 0.06% 10,565 $238K Reduce -3.7%
GOOGL Alphabet Inc. Class A 0.06% 965 $235K New
ROK Rockwell Automation Inc. 0.06% 666 $233K No change
VTEB Vanguard Tax-Exempt Bond ETF 0.06% 4,546 $228K Reduce -1.4%
LLY Eli Lilly & Co. 0.05% 282 $215K No change
PGR Progressive Corp. 0.05% 858 $212K Add +9.7%
SYY Sysco Corp. 0.05% 2,506 $206K New
VO Vngrd Mrngstr MD-Cap ETF-Usd 0.05% 681 $200K New
F Ford Motor Co. filed as FORD MTR CO 0.04% 12,373 $148K 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

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