# CITIZENS & NORTHERN CORP: Form 13F holdings

An institutional investment manager in WELLSBORO, PA. SEC CIK 810958.

- Quarter ended: 2026-06-30
- Filed: 2026-07-17
- Reported value: $437.7m
- Positions: 117 (117 lines in the filing's table; lines for the same security and option type are added together here)
- Compared with: the 13F for the quarter ended 2026-03-31
- Filing: https://www.sec.gov/Archives/edgar/data/810958/000110465926084554/

## Holdings

As filed, largest first. Reported value is what the manager stated at the quarter end (Jun 30, 2026), in US dollars; it is filing data, not a price. Weight is the share of the total reported value.

| Issuer | Class | Reported value | Weight | Shares | Put or call | Change on the quarter before |
| --- | --- | ---: | ---: | ---: | --- | --- |
| Vanguard Russell 1000 Growth ETF | VNG RUS1000GRW | $59.1m | 13.5% | 462,175 |  | Added +77,534 |
| iShares Core MSCI Emerging Mkts ETF | CORE MSCI EMKT | $28.2m | 6.4% | 340,138 |  | Added +7,387 |
| Fidelity MSCI Real Estate Index ETF | MSCI RL EST ETF | $27.9m | 6.4% | 953,634 |  | Reduced −166,299 |
| iShares North American Natural Resources ETF | NORTH AMERN NAT | $24.0m | 5.5% | 427,918 |  | Reduced −41,851 |
| iShares S&P MidCap 400 Index Fd | CORE S&P MCP ETF | $16.8m | 3.8% | 217,637 |  | Reduced −30,749 |
| [Nvidia Corp (NVDA)](/companies/nvda.md) | COM | $16.4m | 3.7% | 81,995 |  | Reduced −895 |
| [Apple Computer Inc (AAPL)](/companies/aapl.md) | COM | $15.5m | 3.5% | 53,521 |  | Reduced −93 |
| State Street SPDR Portfolio S&P 400 Mid Cap ETF | ST STR P400MID | $14.1m | 3.2% | 208,139 |  | Reduced −30,328 |
| [Alphabet Inc Class C (GOOGL)](/companies/googl.md) | CAP STK CL C | $13.9m | 3.2% | 39,454 |  | Reduced −694 |
| iShares JPMorgan USD Emerging Markets Bond ETF | JPMORGAN USD EMG | $12.8m | 2.9% | 132,935 |  | Reduced −2,994 |
| [Microsoft Corp (MSFT)](/companies/msft.md) | COM | $10.9m | 2.5% | 29,135 |  | Reduced −525 |
| Dimensional U.S. Core Equity 2 ETF | US COR EQU 2 ETF | $10.6m | 2.4% | 238,023 |  | Unchanged |
| [Amazon Communications Inc (AMZN)](/companies/amzn.md) | COM | $9.0m | 2.1% | 37,831 |  | Reduced −1,270 |
| [Citizens Financial Services Inc (CZFS)](/companies/czfs.md) | COM | $8.5m | 1.9% | 117,063 |  | Unchanged |
| [Citizens & Northern Corp (CZNC)](/companies/cznc.md) | COM | $8.1m | 1.9% | 349,492 |  | Reduced −10,361 |
| [Advanced Micro Devices Inc (AMD)](/companies/amd.md) | COM | $7.4m | 1.7% | 12,718 |  | Reduced −2,595 |
| [JPMorgan Chase & Co (JPM)](/companies/jpm.md) | COM | $5.8m | 1.3% | 17,802 |  | Reduced −2,395 |
| [Corning Inc (GLW)](/companies/glw.md) | COM | $5.0m | 1.1% | 19,658 |  | Unchanged |
| [Meta Platforms Inc (META)](/companies/meta.md) | CL A | $4.9m | 1.1% | 8,787 |  | Reduced −1,194 |
| Avantis International Equity ETF | INTL EQT ETF | $4.9m | 1.1% | 54,809 |  | Unchanged |
| [Broadcom Inc Common (AVGO)](/companies/avgo.md) | COM | $4.8m | 1.1% | 12,690 |  | Added +5,804 |
| [Wells Fargo & Co New (WFC)](/companies/wfc.md) | COM | $4.3m | 1.0% | 51,763 |  | New +51,763 |
| [Caterpillar Inc (CAT)](/companies/cat.md) | COM | $4.1m | 0.9% | 3,846 |  | Reduced −641 |
| [Mastercard Inc Class A (MA)](/companies/ma.md) | CL A | $4.0m | 0.9% | 7,840 |  | Reduced −349 |
| [Costco Wholesale Corp (New) (COST)](/companies/cost.md) | COM | $4.0m | 0.9% | 4,291 |  | Reduced −11 |
| Exxon Mobil Corp | COM | $3.5m | 0.8% | 25,824 |  | Reduced −279 |
| [Analog Devices Inc (ADI)](/companies/adi.md) | COM | $3.1m | 0.7% | 7,847 |  | Reduced −1,970 |
| iShares Barclays MBS Bond Fund ETF | MBS ETF | $2.9m | 0.7% | 31,118 |  | Reduced −5,537 |
| [KLA Corporation (KLAC)](/companies/klac.md) | COM NEW | $2.9m | 0.7% | 9,472 |  | Added +8,520 |
| [Cisco Systems Inc (CSCO)](/companies/csco.md) | COM | $2.7m | 0.6% | 23,191 |  | Reduced −9,480 |
| [CVS Health Corporation (CVS)](/companies/cvs.md) | COM | $2.7m | 0.6% | 26,315 |  | Reduced −973 |
| [Procter & Gamble Co (PG)](/companies/pg.md) | COM | $2.7m | 0.6% | 18,475 |  | Reduced −232 |
| [Tjx Companies (New) (TJX)](/companies/tjx.md) | COM | $2.5m | 0.6% | 16,787 |  | Reduced −175 |
| [Palo Alto Networks Inc Common (PANW)](/companies/panw.md) | COM | $2.5m | 0.6% | 7,266 |  | Reduced −229 |
| [RTX Corporation (RTX)](/companies/rtx.md) | COM | $2.4m | 0.6% | 12,701 |  | Reduced −1,076 |
| [Citigroup Inc Common New (C)](/companies/c.md) | COM NEW | $2.3m | 0.5% | 16,391 |  | Reduced −235 |
| Eaton Corp | SHS | $2.3m | 0.5% | 5,356 |  | Reduced −581 |
| [Charles Schwab Corp (SCHW)](/companies/schw.md) | COM | $2.3m | 0.5% | 24,570 |  | Added +3,197 |
| [State Street SPDR S&P 500 ETF Trust (SPY)](/companies/spy.md) | TR UNIT | $2.1m | 0.5% | 2,877 |  | Unchanged |
| [Johnson & Johnson (JNJ)](/companies/jnj.md) | COM | $2.1m | 0.5% | 8,218 |  | Added +165 |
| [Oracle Corp (ORCL)](/companies/orcl.md) | COM | $2.1m | 0.5% | 14,024 |  | Reduced −347 |
| [GSK PLC ADR (GSK)](/companies/gsk.md) | SPONSORED ADR | $2.1m | 0.5% | 39,176 |  | Reduced −860 |
| [Cencora, Inc. (COR)](/companies/cor.md) | COM | $2.0m | 0.5% | 7,156 |  | Added +105 |
| Medtronic PLC | SHS | $2.0m | 0.5% | 25,866 |  | Added +3,266 |
| [Home Depot Inc (HD)](/companies/hd.md) | COM | $2.0m | 0.5% | 5,627 |  | Reduced −152 |
| [Boeing Co (BA)](/companies/ba.md) | COM | $2.0m | 0.4% | 9,062 |  | Reduced −190 |
| [Coca Cola Co (KO)](/companies/ko.md) | COM | $1.9m | 0.4% | 22,806 |  | Reduced −541 |
| [General Dynamics Corp (GD)](/companies/gd.md) | COM | $1.8m | 0.4% | 5,113 |  | Reduced −159 |
| [Blackstone Inc (BX)](/companies/bx.md) | COM | $1.8m | 0.4% | 15,154 |  | Reduced −223 |
| Avantis US Equity ETF | US EQT ETF | $1.8m | 0.4% | 13,829 |  | Unchanged |
| [Salesforce, Inc. (CRM)](/companies/crm.md) | COM | $1.7m | 0.4% | 11,156 |  | Added +2,209 |
| [Emerson Electric Co (EMR)](/companies/emr.md) | COM | $1.7m | 0.4% | 12,112 |  | Reduced −1,606 |
| [Freeport-McMoran, Inc. (FCX)](/companies/fcx.md) | CL B | $1.7m | 0.4% | 26,951 |  | Added +1,196 |
| [SLB Limited (SLB)](/companies/slb.md) | COM STK | $1.6m | 0.4% | 34,757 |  | Reduced −234 |
| [Biogen Idec Inc (BIIB)](/companies/biib.md) | COM | $1.5m | 0.3% | 6,943 |  | Reduced −194 |
| [KKR & Co Inc (KKR)](/companies/kkr.md) | COM | $1.5m | 0.3% | 16,253 |  | Reduced −112 |
| [Nextera Energy Inc (NEE)](/companies/nee.md) | COM | $1.5m | 0.3% | 16,899 |  | Reduced −332 |
| [Tapestry Inc Common (TPR)](/companies/tpr.md) | COM | $1.4m | 0.3% | 9,887 |  | Added +92 |
| [American Tower REIT Inc (AMT)](/companies/amt.md) | COM | $1.4m | 0.3% | 8,767 |  | Reduced −6 |
| [Union Pacific Corp (UNP)](/companies/unp.md) | COM | $1.4m | 0.3% | 5,049 |  | Unchanged |
| [Mondelez Intl Inc Class A (MDLZ)](/companies/mdlz.md) | CL A | $1.4m | 0.3% | 23,556 |  | Reduced −457 |
| [Bristol Myers Squibb Co (BMY)](/companies/bmy.md) | COM | $1.4m | 0.3% | 23,628 |  | Added +4,631 |
| [Ovintiv Inc (OVV)](/companies/ovv.md) | COM | $1.4m | 0.3% | 25,711 |  | Added +3,062 |
| [State Street SPDR Dow Jones Industrial Average ETF Trust (DIA)](/companies/dia.md) | UT SER 1 | $1.3m | 0.3% | 2,543 |  | Unchanged |
| [Netflix Inc Corp (NFLX)](/companies/nflx.md) | COM | $1.2m | 0.3% | 17,453 |  | Added +6,450 |
| [Chevron Corp (CVX)](/companies/cvx.md) | COM | $1.2m | 0.3% | 7,408 |  | Reduced −145 |
| [Disney Walt Co (DIS)](/companies/dis.md) | COM | $1.2m | 0.3% | 12,553 |  | Reduced −353 |
| [The Goldman Sachs Group Inc (GS)](/companies/gs.md) | COM | $1.2m | 0.3% | 1,185 |  | New +1,185 |
| [Becton, Dickinson & Co. (BDX)](/companies/bdx.md) | COM | $1.2m | 0.3% | 7,783 |  | Added +1,630 |
| [Paypal Holdings, Inc. (PYPL)](/companies/pypl.md) | COM | $1.2m | 0.3% | 27,154 |  | Reduced −764 |
| [Pfizer Inc (PFE)](/companies/pfe.md) | COM | $1.2m | 0.3% | 47,939 |  | Reduced −544 |
| [YUM Brands Inc (YUM)](/companies/yum.md) | COM | $1.1m | 0.3% | 7,052 |  | Added +126 |
| [Paccar Inc (PCAR)](/companies/pcar.md) | COM | $1.1m | 0.3% | 9,187 |  | Added +1,608 |
| [Zimmer Biomet Holdings, Inc. (ZBH)](/companies/zbh.md) | COM | $1.1m | 0.2% | 12,277 |  | Added +49 |
| [Intercontinental Exchange Inc Common (ICE)](/companies/ice.md) | COM | $978.7k | 0.2% | 7,950 |  | Reduced −231 |
| Avantis Emerging Markets Equity ETF | AVANTIS EMGMKT | $978.7k | 0.2% | 10,143 |  | Unchanged |
| iShares Trust Russell 1000 Growth ETF | RUS 1000 GRW ETF | $948.4k | 0.2% | 7,638 |  | Added +5,606 |
| [M & T Bank Corp (MTB)](/companies/mtb.md) | COM | $866.8k | 0.2% | 3,642 |  | Unchanged |
| [Adobe Systems Inc (ADBE)](/companies/adbe.md) | COM | $808.6k | 0.2% | 3,944 |  | Reduced −115 |
| [McDonalds Corp (MCD)](/companies/mcd.md) | COM | $796.3k | 0.2% | 2,946 |  | Reduced −116 |
| [Bath & Body Works (BBWI)](/companies/bbwi.md) | COM | $770.4k | 0.2% | 33,308 |  | Reduced −33 |
| State Street SPDR Portfolio Long Term Treasury ETF | ST LON TREAS ETF | $766.6k | 0.2% | 29,228 |  | Reduced −3,786 |
| State Street SPDR Portfolio Short Term Treasury ETF | ST SHO TREAS ETF | $764.1k | 0.2% | 26,339 |  | Reduced −1,620 |
| [Berkshire Hathaway Inc Class B New (BRK-B)](/companies/brk-b.md) | CL B NEW | $725.1k | 0.2% | 1,449 |  | Unchanged |
| [International Business Machines (IBM)](/companies/ibm.md) | COM | $712.0k | 0.2% | 2,532 |  | Reduced −251 |
| [Verizon Communications (VZ)](/companies/vz.md) | COM | $707.2k | 0.2% | 16,704 |  | Added +1,264 |
| Accenture PLC | SHS CLASS A | $701.0k | 0.2% | 5,633 |  | Reduced −44 |
| [Intuit (INTU)](/companies/intu.md) | COM | $695.3k | 0.2% | 2,664 |  | Added +43 |
| Vanguard Dividend Appreciation Index ETF | DIV APP ETF | $678.2k | 0.2% | 2,866 |  | Unchanged |
| [Nike, Inc. Class B (NKE)](/companies/nke.md) | CL B | $675.7k | 0.2% | 16,461 |  | Reduced −597 |
| iShares Russell 1000 Value ETF | RUS 1000 VAL ETF | $674.2k | 0.2% | 2,781 |  | Reduced −248 |
| DFA Dimensional International Core Equity 2 ETF | INTL CORE EQUITY | $645.6k | 0.1% | 17,326 |  | Unchanged |
| iShares Short-Term National Muni Bond ETF | SHRT NAT MUN ETF | $631.3k | 0.1% | 5,929 |  | Unchanged |
| [Deere & Co (DE)](/companies/de.md) | COM | $558.2k | 0.1% | 880 |  | Unchanged |
| DFA Dimensional Emerging Markets Core Equity 2 ETF | EMERGING MKTS CO | $521.5k | 0.1% | 12,833 |  | Unchanged |
| [Cummins Inc (CMI)](/companies/cmi.md) | COM | $430.1k | <0.1% | 603 |  | Unchanged |
| [Eli Lilly & Co (LLY)](/companies/lly.md) | COM | $403.0k | <0.1% | 336 |  | Reduced −53 |
| [Rockwell Automation Inc Common (ROK)](/companies/rok.md) | COM | $329.7k | <0.1% | 666 |  | Unchanged |
| [Quest Diagnostics Inc (DGX)](/companies/dgx.md) | COM | $326.4k | <0.1% | 1,540 |  | Reduced −10 |
| [Illinois Tool Works Inc (ITW)](/companies/itw.md) | COM | $324.0k | <0.1% | 1,198 |  | Reduced −716 |
| Vanguard Total World Stock Index Fund ETF | TT WRLD ST ETF | $313.9k | <0.1% | 2,000 |  | Unchanged |
| [National Fuel Gas Co N J (NFG)](/companies/nfg.md) | COM | $309.8k | <0.1% | 4,012 |  | Unchanged |
| iShares Core S&P 500 ETF | CORE S&P500 ETF | $303.3k | <0.1% | 405 |  | Unchanged |
| [Alphabet Inc Class A (GOOGL)](/companies/googl.md) | CAP STK CL A | $288.4k | <0.1% | 807 |  | Unchanged |
| [AT&T Inc (T)](/companies/t.md) | COM | $262.9k | <0.1% | 12,702 |  | Reduced −4,335 |
| Vanguard REIT Index ETF | REAL ESTATE ETF | $258.7k | <0.1% | 2,683 |  | Unchanged |
| [Norfolk Southern Corp (NSC)](/companies/nsc.md) | COM | $249.5k | <0.1% | 793 |  | Reduced −477 |
| [Lowes Cos Inc (LOW)](/companies/low.md) | COM | $243.6k | <0.1% | 1,105 |  | Unchanged |
| [Carpenter Technology Corporation (CRS)](/companies/crs.md) | COM | $235.6k | <0.1% | 382 |  | New +382 |
| Vanguard Tax-Exempt Bond Index ETF | TAX EXEMPT BD | $227.8k | <0.1% | 4,503 |  | Unchanged |
| [Progressive Corp Ohio common (PGR)](/companies/pgr.md) | COM | $220.4k | <0.1% | 1,009 |  | New +1,009 |
| [W W Grainger Inc (GWW)](/companies/gww.md) | COM | $213.6k | <0.1% | 157 |  | New +157 |
| [Texas Instruments Inc (TXN)](/companies/txn.md) | COM | $212.5k | <0.1% | 713 |  | New +713 |
| [BOK Financial Corp (BOKF)](/companies/bokf.md) | COM NEW | $211.1k | <0.1% | 1,520 |  | New +1,520 |
| [Community Financial System, Inc (CBU)](/companies/cbu.md) | COM | $206.9k | <0.1% | 3,083 |  | New +3,083 |
| Vanguard Mid-Cap ETF | MID CAP ETF | $203.7k | <0.1% | 2,528 |  | New +2,528 |
| [Imperial Oil Ltd (IMO)](/companies/imo.md) | COM NEW | $201.6k | <0.1% | 1,800 |  | Unchanged |

## Sold out

Held at the end of the quarter before and not reported this quarter.

| Issuer | Class | Reported value | Weight | Shares | Put or call | Change on the quarter before |
| --- | --- | ---: | ---: | ---: | --- | --- |
| [Abbott Labs (ABT)](/companies/abt.md) | COM | $0 | 0.0% | 0 |  | Sold out −3,376 |
| [Comcast Corp Class A (CMCSA)](/companies/cmcsa.md) | CL A | $0 | 0.0% | 0 |  | Sold out −10,554 |
| [EOG Resources, Inc. (EOG)](/companies/eog.md) | COM | $0 | 0.0% | 0 |  | Sold out −1,775 |
| [Halliburton Co (HAL)](/companies/hal.md) | COM | $0 | 0.0% | 0 |  | Sold out −6,182 |
| Honeywell Intl Inc | COM | $0 | 0.0% | 0 |  | Sold out −1,103 |
| iShares Barclays TIPS Bond Fund | TIPS BD ETF | $0 | 0.0% | 0 |  | Sold out −5,540 |
| iShares iBoxx $ High Yield Corp Bond ETF | IBOXX HI YD ETF | $0 | 0.0% | 0 |  | Sold out −10,976 |
| [Marsh (MRSH)](/companies/mrsh.md) | COM | $0 | 0.0% | 0 |  | Sold out −6,340 |
| [Roper Industries Inc New (ROP)](/companies/rop.md) | COM | $0 | 0.0% | 0 |  | Sold out −1,115 |
| Vanguard Total International Bond Index Fund ETF | TOTAL INT BD ETF | $0 | 0.0% | 0 |  | Sold out −25,151 |
| [Waters Corp (WAT)](/companies/wat.md) | COM | $0 | 0.0% | 0 |  | Sold out −756 |

Source: SEC EDGAR, Form 13F-HR, accession 0001104659-26-084554. Last ingested by Listed: Oct 22, 2026, 05:26 ET. No prices; not investment advice.