Citizens & Northern Corp.

Name: CITIZENS & NORTHERN CORP 13F holdings, Q4 2025
Creator: CITIZENS & NORTHERN CORP
Published: 2026-01-28

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

In its 13F for Q4 2025 (holdings as of December 31, 2025, filed January 28, 2026), Citizens & Northern Corp. reported 124 stock positions worth $403.6 million. Its top holding was Vanguard Russell 1000 Growth (VONG) at 11.1% of the portfolio, followed by Fidelity MSCI RL Est Indx (FREL, 7.2%) and iShares North American Natur (IGE, 6.1%). Compared with Q3 2025, it opened 9 new positions, sold out of 6, added to 33 and reduced 68. The biggest buy was Fidelity MSCI RL Est Indx (FREL, shares +32%) and the biggest sale Vanguard Russell 1000 Growth (VONG, shares −7%).

Most Recent 13F: Q2 2026
Location: WELLSBORO, PA
CIK: 0000810958
Portfolio Value: $403.6M (Q4 2025)
SEC Filing: 0001104659-26-007427 ↗ filed Jan 28, 2026

Holdings Value

Holdings 124 stocks · $403.6M


VONG Vanguard Russell 1000 Growth	11.09%	367,716	$44.8M	Reduce -7.3%
FREL Fidelity MSCI RL Est Indx	7.24%	1,087,071	$29.2M	Add +32.2%
IGE iShares North American Natur	6.13%	492,536	$24.7M	Reduce -0.6%
IEMG iShares Core MSCI Emerging	5.52%	331,668	$22.3M	Reduce -7.0%
IJH iShares Core S&P Midcap ETF	4.23%	258,672	$17.1M	Add +0.1%
NVDA Nvidia Corp.	3.78%	81,880	$15.3M	Reduce -7.0%
AAPL Apple Inc.	3.59%	53,237	$14.5M	Reduce -8.0%
MSFT Microsoft Corp.	3.39%	28,309	$13.7M	Reduce -9.4%
SPMD SS SPDR P S&P 400 Midcap ETF	3.38%	235,643	$13.6M	Add +1.4%
EMB iShares JP Morgan Usd Emergi	3.15%	132,225	$12.7M	Add +1.2%
GOOG Alphabet Inc. Class C	3.15%	40,453	$12.7M	Reduce -10.5%
DFAC Dimensional US Core Equity 2	2.34%	238,023	$9.4M	Add +2.4%
AMZN Amazon.com Inc.	2.16%	37,712	$8.7M	Reduce -5.7%
CZNC Citizens & Northern Corp.	1.81%	361,412	$7.3M	Add +12.6%
CZFS Citizens Financial Services	1.65%	117,063	$6.7M	Reduce -0.0%
JPM JPMorgan Chase & Co.	1.60%	20,091	$6.5M	Reduce -18.6%
META Meta Platforms Inc. Class A	1.44%	8,780	$5.8M	Add +0.8%
AVDE Avantis International Equity	1.12%	54,809	$4.5M	Add +7.3%
MA Mastercard Inc. Class A	1.11%	7,877	$4.5M	Reduce -3.7%
COST Costco Wholesale Corp.	0.93%	4,373	$3.8M	Reduce -4.8%
AMD Advanced Micro Devices	0.84%	15,877	$3.4M	Reduce -0.7%
MBB iShares MBS ETF	0.83%	35,349	$3.4M	Add +2.8%
XOM Exxon Mobil Corp.	0.79%	26,338	$3.2M	Reduce -4.4%
ORCL Oracle Corp.	0.70%	14,504	$2.8M	Add +0.1%
PG The Procter & Gamble Co.	0.66%	18,566	$2.7M	Reduce -1.0%
TJX TJX Companies Inc. filed as TJX COS INC NEW	0.64%	16,856	$2.6M	Reduce -3.4%
ABT Abbott Laboratories	0.64%	20,562	$2.6M	Reduce -6.0%
RTX RTX Corp.	0.63%	13,774	$2.5M	Add +22.2%
CSCO Cisco Systems Inc.	0.62%	32,735	$2.5M	Reduce -3.8%
ADI Analog Devices Inc.	0.62%	9,288	$2.5M	Add +30.5%
CAT Caterpillar Inc.	0.60%	4,214	$2.4M	Add +272.9%
COR Cencora Inc.	0.59%	7,045	$2.4M	Reduce -5.5%
BX Blackstone Inc.	0.58%	15,280	$2.4M	Reduce -2.1%
AVGO Broadcom Inc.	0.58%	6,719	$2.3M	Add +3.0%
CRM Salesforce Inc.	0.56%	8,467	$2.2M	Reduce -4.3%
CVS CVS Health Corp.	0.53%	26,828	$2.1M	Reduce -5.0%
SCHW Schwab (charles) Corp.	0.53%	21,271	$2.1M	Reduce -3.7%
NSC Norfolk Southern Corp.	0.49%	6,836	$2.0M	Reduce -28.4%
SPY SS SPDR S&P 500 ETF Trust-US	0.49%	2,877	$2.0M	Add +3.0%
BA The Boeing Co.	0.48%	8,980	$1.9M	Add +41.8%
GSK GSK PLC-Spon ADR	0.48%	39,595	$1.9M	Reduce -4.7%
HD Home Depot Inc.	0.48%	5,601	$1.9M	Reduce -14.9%
GLW Corning Inc.	0.47%	21,734	$1.9M	Add +10.6%
GD General Dynamics Corp.	0.45%	5,408	$1.8M	Reduce -28.3%
KKR KKR & Co. Inc.	0.45%	14,168	$1.8M	New
JNJ Johnson & Johnson	0.42%	8,196	$1.7M	Reduce -0.6%
KO The Coca-Cola Co.	0.41%	23,393	$1.6M	Reduce -4.3%
C Citigroup Inc.	0.40%	13,930	$1.6M	New
PYPL PayPal Holdings Inc.	0.40%	27,351	$1.6M	Add +23.2%
AMT American Tower Corp.	0.39%	9,061	$1.6M	Reduce -3.1%
AVUS Avantis U.S. Equity ETF	0.38%	13,829	$1.5M	No change
ACN Accenture PLC Class A	0.37%	5,588	$1.5M	Reduce -2.4%
NFLX Netflix Inc.	0.36%	15,633	$1.5M	New
DIS The Walt Disney Co. filed as DISNEY WALT CO	0.36%	12,788	$1.5M	Reduce -2.6%
ETN Eaton Corp. PLC	0.36%	4,507	$1.4M	Reduce -1.6%
CMG Chipotle Mexican Grill Inc.	0.35%	38,035	$1.4M	Reduce -21.0%
NOW ServiceNow Inc.	0.35%	9,127	$1.4M	Reduce -1.6%
NEE Nextera Energy Inc.	0.34%	17,340	$1.4M	Reduce -4.2%
PANW Palo Alto Networks Inc.	0.34%	7,509	$1.4M	Reduce -2.7%
ICE Intercontinental Exchange Inc.	0.33%	8,324	$1.3M	Reduce -3.3%
ADBE Adobe Inc.	0.33%	3,840	$1.3M	Reduce -5.5%
SLB SLB Ltd. filed as SLB LIMITED	0.33%	34,819	$1.3M	Reduce -3.9%
EMR Emerson Electric Co.	0.33%	9,993	$1.3M	New
INTU Intuit Inc.	0.33%	2,001	$1.3M	New
MDLZ Mondelez International Inc. Class A	0.32%	24,204	$1.3M	Reduce -23.3%
DIA SS SPDR Dow Jones Indus Avg filed as SPDR DOW JONES INDL AVERAGE	0.30%	2,543	$1.2M	No change
BIIB Biogen Inc.	0.30%	6,912	$1.2M	Reduce -1.2%
MRSH Marsh & McLennan Cos	0.30%	6,509	$1.2M	Reduce -3.3%
PFE Pfizer Inc.	0.30%	47,977	$1.2M	Reduce -3.6%
CVX Chevron Corp.	0.29%	7,716	$1.2M	Reduce -1.6%
UNP Union Pacific Corp.	0.29%	5,044	$1.2M	No change
BNDX Vanguard Total Intl Bond ETF	0.29%	24,121	$1.2M	Add +6.7%
EOG EOG Resources Inc.	0.28%	10,726	$1.1M	Add +19.9%
NKE Nike Inc. Class B	0.27%	17,005	$1.1M	Add +1.2%
TPR Tapestry Inc.	0.27%	8,383	$1.1M	New
IWF iShares Russell 1000 Growth	0.26%	2,254	$1.1M	Add +5.5%
CARR Carrier Global Corp.	0.26%	19,638	$1.0M	Reduce -2.8%
BMY Bristol-Myers Squibb Co.	0.25%	19,051	$1.0M	Reduce -2.8%
MCD McDonald's Corp.	0.23%	3,090	$944K	Reduce -2.6%
FCX Freeport-McMoran Inc.	0.23%	17,999	$914K	Reduce -1.2%
DD Dupont DE Nemours Inc.	0.22%	22,119	$889K	Add +92.8%
HYG Ishr Ibx Usd Hiyld CB ETF-Ui	0.22%	10,822	$873K	Add +54.2%
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS	0.21%	2,832	$839K	Reduce -0.9%
BDX Becton Dickinson and Co.	0.20%	4,235	$822K	Reduce -37.3%
SPTL SS SPDR PF LNG TRM TSY E-Usd	0.20%	30,396	$805K	No change
SPTS SS SPDR P St Term TSY ETF	0.20%	26,935	$789K	Add +32.7%
AVEM Avantis Emerging Markets Eq	0.19%	10,143	$781K	No change
MTB M & T Bank Corp. filed as M & T BK CORP	0.18%	3,642	$734K	Add +7.6%
BRK.B Berkshire Hathaway Inc. Class B	0.18%	1,456	$732K	Reduce -4.5%
ZBH Zimmer Biomet Holdings Inc.	0.18%	8,080	$727K	Reduce -37.1%
IWD iShares Russell 1000 Value E	0.16%	3,029	$637K	Add +7.5%
SUB iShares Short-Term National	0.16%	5,929	$633K	No change
VIG Vanguard Dividend Apprec ETF	0.16%	2,866	$630K	Reduce -28.4%
VZ Verizon Communications Inc.	0.15%	15,240	$621K	Reduce -8.4%
DFIC Dimensional International Co.	0.15%	17,326	$597K	No change
TIP iShares Tips Bond ETF	0.15%	5,404	$594K	Add +5.3%
ROP Roper Technologies Inc.	0.12%	1,115	$496K	No change
ITW Illinois Tool Works	0.12%	1,898	$467K	Add +1.2%
BBWI Bath & Body Works Inc.	0.11%	21,871	$439K	Reduce -38.5%
DFEM Dimensional Emrg MRKT Core	0.11%	12,833	$425K	Add +17.5%
T AT&T Inc.	0.10%	17,037	$423K	No change
XLV SS Health Care Select Sector	0.10%	2,659	$412K	New
DE Deere & Co.	0.10%	880	$410K	Reduce -0.7%
IHI iShares U.S. Medical Devices	0.10%	6,179	$384K	New
IVV iShares Core S&P 500 ETF	0.09%	550	$377K	Add +7.4%
HON Honeywell International Inc.	0.09%	1,856	$362K	Reduce -79.8%
LLY Eli Lilly & Co.	0.08%	315	$339K	Add +11.7%
CMCSA Comcast Corp. Class A	0.08%	11,030	$330K	Reduce -75.6%
NFG National Fuel Gas Co.	0.08%	4,012	$321K	No change
CMI Cummins Inc.	0.08%	600	$306K	No change
VT Vanguard Tot World STK ETF	0.07%	2,000	$282K	No change
GOOGL Alphabet Inc. Class A	0.07%	890	$279K	Reduce -7.8%
XLY SS Consumer Disc Select Sect	0.07%	2,260	$270K	New
DGX Quest Diagnostics Inc.	0.07%	1,550	$269K	Reduce -1.5%
LOW Lowe's Cos Inc.	0.07%	1,105	$266K	Reduce -1.9%
ROK Rockwell Automation Inc.	0.06%	666	$259K	No change
GWW WW Grainger Inc.	0.06%	245	$247K	Reduce -8.2%
BLK BlackRock Inc.	0.06%	222	$238K	Reduce -83.1%
VNQ Vanguard Real Estate ETF	0.06%	2,683	$237K	No change
BNDC NT Core Bond ETF	0.06%	10,418	$233K	Reduce -1.4%
TFC Truist Financial Corp.	0.06%	4,727	$233K	Reduce -86.2%
HAL Halliburton Co.	0.06%	8,222	$232K	Reduce -70.5%
VTEB Vanguard Tax-Exempt Bond ETF	0.06%	4,503	$226K	Reduce -0.9%
PGR Progressive Corp.	0.05%	925	$211K	Add +7.8%

Portfolio Sells Q3 2025 → Q4 2025


VONG Vanguard Russell 1000 Growth	Reduce -7.3%	11.09%	−0.75
MSFT Microsoft Corp.	Reduce -9.4%	3.39%	−0.62
HON Honeywell International Inc.	Reduce -79.8%	0.09%	−0.39
TFC Truist Financial Corp.	Reduce -86.2%	0.06%	−0.33
JPM JPMorgan Chase & Co.	Reduce -18.6%	1.60%	−0.32
BLK BlackRock Inc.	Reduce -83.1%	0.06%	−0.32
IEMG iShares Core MSCI Emerging	Reduce -7.0%	5.52%	−0.30
NVDA Nvidia Corp.	Reduce -7.0%	3.78%	−0.29
CMCSA Comcast Corp. Class A	Reduce -75.6%	0.08%	−0.27
FDX FedEx Corp.	Sold out	0.00%	−0.26
CDW CDW Corp.	Sold out	0.00%	−0.24
NSC Norfolk Southern Corp.	Reduce -28.4%	0.49%	−0.22
GD General Dynamics Corp.	Reduce -28.3%	0.45%	−0.19
HD Home Depot Inc.	Reduce -14.9%	0.48%	−0.18
MDLZ Mondelez International Inc. Class A	Reduce -23.3%	0.32%	−0.17
ZBH Zimmer Biomet Holdings Inc.	Reduce -37.1%	0.18%	−0.13
COST Costco Wholesale Corp.	Reduce -4.8%	0.93%	−0.12
CMG Chipotle Mexican Grill Inc.	Reduce -21.0%	0.35%	−0.12
BBWI Bath & Body Works Inc.	Reduce -38.5%	0.11%	−0.12
HAL Halliburton Co.	Reduce -70.5%	0.06%	−0.11
BDX Becton Dickinson and Co.	Reduce -37.3%	0.20%	−0.11
CZFS Citizens Financial Services	Reduce -0.0%	1.65%	−0.09
ABT Abbott Laboratories	Reduce -6.0%	0.64%	−0.09
BX Blackstone Inc.	Reduce -2.1%	0.58%	−0.08
NOW ServiceNow Inc.	Reduce -1.6%	0.35%	−0.08
WMT Walmart Inc.	Sold out	0.00%	−0.07
ETN Eaton Corp. PLC	Reduce -1.6%	0.36%	−0.07
AAPL Apple Inc.	Reduce -8.0%	3.59%	−0.07
VIG Vanguard Dividend Apprec ETF	Reduce -28.4%	0.16%	−0.06
PG The Procter & Gamble Co.	Reduce -1.0%	0.66%	−0.05
AMT American Tower Corp.	Reduce -3.1%	0.39%	−0.05
SYY Sysco Corp.	Sold out	0.00%	−0.05
VO Vngrd Mrngstr MD-Cap ETF-Usd	Sold out	0.00%	−0.05
PANW Palo Alto Networks Inc.	Reduce -2.7%	0.34%	−0.05
CARR Carrier Global Corp.	Reduce -2.8%	0.26%	−0.04
MA Mastercard Inc. Class A	Reduce -3.7%	1.11%	−0.04
MRSH Marsh & McLennan Cos	Reduce -3.3%	0.30%	−0.04
F Ford Motor Co.	Sold out	0.00%	−0.04
VZ Verizon Communications Inc.	Reduce -8.4%	0.15%	−0.03
ICE Intercontinental Exchange Inc.	Reduce -3.3%	0.33%	−0.03
ADBE Adobe Inc.	Reduce -5.5%	0.33%	−0.02
AMZN Amazon.com Inc.	Reduce -5.7%	2.16%	−0.02
PFE Pfizer Inc.	Reduce -3.6%	0.30%	−0.02
DIS The Walt Disney Co.	Reduce -2.6%	0.36%	−0.01
CVX Chevron Corp.	Reduce -1.6%	0.29%	−0.01
BRK.B Berkshire Hathaway Inc. Class B	Reduce -4.5%	0.18%	−0.01
DGX Quest Diagnostics Inc.	Reduce -1.5%	0.07%	−0.01
MCD McDonald's Corp.	Reduce -2.6%	0.23%	−0.00
LOW Lowe's Cos Inc.	Reduce -1.9%	0.07%	−0.00
GWW WW Grainger Inc.	Reduce -8.2%	0.06%	−0.00

Portfolio Buys Q3 2025 → Q4 2025


FREL Fidelity MSCI RL Est Indx	Add +32.2%	7.24%	+1.58
CAT Caterpillar Inc.	Add +272.9%	0.60%	+0.46
KKR KKR & Co. Inc.	New	0.45%	+0.45
C Citigroup Inc.	New	0.40%	+0.40
NFLX Netflix Inc.	New	0.36%	+0.36
EMR Emerson Electric Co.	New	0.33%	+0.33
INTU Intuit Inc.	New	0.33%	+0.33
TPR Tapestry Inc.	New	0.27%	+0.27
CZNC Citizens & Northern Corp.	Add +12.6%	1.81%	+0.23
ADI Analog Devices Inc.	Add +30.5%	0.62%	+0.19
RTX RTX Corp.	Add +22.2%	0.63%	+0.16
BA The Boeing Co.	Add +41.8%	0.48%	+0.14
AVDE Avantis International Equity	Add +7.3%	1.12%	+0.12
DFAC Dimensional US Core Equity 2	Add +2.4%	2.34%	+0.11
XLV SS Health Care Select Sector	New	0.10%	+0.10
IHI iShares U.S. Medical Devices	New	0.10%	+0.10
SPMD SS SPDR P S&P 400 Midcap ETF	Add +1.4%	3.38%	+0.09
HYG Ishr Ibx Usd Hiyld CB ETF-Ui	Add +54.2%	0.22%	+0.07
EMB iShares JP Morgan Usd Emergi	Add +1.2%	3.15%	+0.07
GLW Corning Inc.	Add +10.6%	0.47%	+0.07
XLY SS Consumer Disc Select Sect	New	0.07%	+0.07
IJH iShares Core S&P Midcap ETF	Add +0.1%	4.23%	+0.05
SPTS SS SPDR P St Term TSY ETF	Add +32.7%	0.20%	+0.05
AVGO Broadcom Inc.	Add +3.0%	0.58%	+0.04
LLY Eli Lilly & Co.	Add +11.7%	0.08%	+0.03
EOG EOG Resources Inc.	Add +19.9%	0.28%	+0.03
PYPL PayPal Holdings Inc.	Add +23.2%	0.40%	+0.03
SPY SS SPDR S&P 500 ETF Trust-US	Add +3.0%	0.49%	+0.03
MBB iShares MBS ETF	Add +2.8%	0.83%	+0.02
DFEM Dimensional Emrg MRKT Core	Add +17.5%	0.11%	+0.02
IWF iShares Russell 1000 Growth	Add +5.5%	0.26%	+0.02
MTB M & T Bank Corp.	Add +7.6%	0.18%	+0.02
IWD iShares Russell 1000 Value E	Add +7.5%	0.16%	+0.02
BNDX Vanguard Total Intl Bond ETF	Add +6.7%	0.29%	+0.01
IVV iShares Core S&P 500 ETF	Add +7.4%	0.09%	+0.01
TIP iShares Tips Bond ETF	Add +5.3%	0.15%	+0.01
PGR Progressive Corp.	Add +7.8%	0.05%	−0.00
DD Dupont DE Nemours Inc.	Add +92.8%	0.22%	−0.00
ITW Illinois Tool Works	Add +1.2%	0.12%	−0.01
NKE Nike Inc. Class B	Add +1.2%	0.27%	−0.02
META Meta Platforms Inc. Class A	Add +0.8%	1.44%	−0.15
ORCL Oracle Corp.	Add +0.1%	0.70%	−0.31

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