SEC 13F Intelligence

Managers / Q3 2025 · view latest →

CITIZENS & NORTHERN CORP

CIK 0000810958 · 90-92 MAIN ST, WELLSBORO, PA, 16901 · 877-838-2517

Reported Value
$404M
Q3 2025
Positions
121
Filings on Record
22
2019–present window
Filed
Oct 24, 2025
original filing

Summary

Citizens & Northern Corp reported $404M in U.S.-listed holdings across 121 positions for Q3 2025.

Its largest position, Vanguard Russell 1000 Growth Etf, represents 11.8% of the portfolio.

Compared with Q2 2025, the fund opened 5 new positions and exited 2.

Portfolio Metrics

Turnover
+1.3%
vs prior filed quarter
Top-10 Concentration
+51.6%
share of reported value
Largest Position
+11.8%
Vanguard Russell 1000 Growth Etf
New / Exited
5 / 2
positions this quarter

Methodology: turnover is min(value bought, value sold) ÷ average reported value across the two quarters — value-based, so market moves inflate it slightly versus a share-based measure. Concentration and largest position are shares of the filing’s total reported value, options excluded. New/exited counts compare against the prior filed quarter. All figures derive solely from the fund’s 13F filings.

Reported Value by Quarter

13F Reported Value
Q4 ’20: $227MQ4 ’20Q1 ’21: $253MQ2 ’21: $267MQ3 ’21: $261MQ3 ’21Q4 ’21: $279MQ1 ’22: $271MQ2 ’22: $229MQ2 ’22Q3 ’22: $213MQ4 ’22: $242MQ1 ’23: $256MQ1 ’23Q2 ’23: $265MQ3 ’23: $249MQ4 ’23: $280MQ4 ’23Q1 ’24: $296MQ2 ’24: $320MQ3 ’24: $333MQ3 ’24Q4 ’24: $365MQ1 ’25: $355MQ2 ’25: $374MQ2 ’25Q3 ’25: $404MQ4 ’25: $404MQ1 ’26: $401MQ1 ’26filingsflow.com

Portfolio Composition

By security type
Common Stock: 50.8%ETP: 47.5%Other: 0.8%REIT: 0.4%ADR: 0.4%
  • Common Stock · 50.8% · $205M
  • ETP · 47.5% · $192M
  • Other · 0.8% · $3M
  • REIT · 0.4% · $2M
  • ADR · 0.4% · $2M

Quarter-over-Quarter Changes full breakdown →

vs Q2 2025 (amended baseline)

IssuerMoveShare ΔShares nowValue ΔValue now
CMICummins IncNEW+600600+$253,422$253,422
Vanguard REIT Index ETFNEW+2.7K2.7K+$245,280$245,280
GOOGLAlphabet Inc Class ANEW+965965+$234,592$234,592
SYYSYSCO CorpNEW+2.5K2.5K+$206,344$206,344
Vanguard Mid-Cap ETFNEW+681681+$200,037$200,037
FDSFactSet Research Systems IncSOLD OUT−5100−$228,113$0
FlexShares STOXX US ESG Select Index ETFSOLD OUT−1.5K0−$213,779$0
Avantis Emerging Markets Equity ETFADDED+4.1K10.1K+$349,025$761,841

Value changes conflate price moves with buying and selling — share changes are the real signal. Share counts are not split-adjusted.

Holdings — Q3 2025

50 positions
Export to Excel
#IssuerClass% PortfolioValue ↓Shares
1Vanguard Russell 1000 Growth ETFVNG RUS1000GRW11.85%$48M396.8K
2iShares North American Natural Resources ETFNORTH AMERN NAT6.02%$24M495.5K
3iShares Core MSCI Emerging Mkts ETFCORE MSCI EMKT5.83%$24M356.8K
4Fidelity MSCI Real Estate Index ETFMSCI RL EST ETF5.67%$23M822.3K
5iShares S&P MidCap 400 Index FdCORE S&P MCP ETF4.18%$17M258.3K
6NVDANvidia Corphistory →COM4.07%$16M88.0K
7MSFTMicrosoft Corphistory →COM4.01%$16M31.2K
8AAPLApple Computer Inchistory →COM3.65%$15M57.9K
9SPDR Portfolio S&P 400 Mid Cap ETFPORTFOLIO S&P4003.29%$13M232.4K
10iShares JPMorgan USD Emerging Markets Bond ETFJPMORGAN USD EMG3.08%$12M130.7K
11GOOGAlphabet Inc Class Chistory →CAP STK CL C2.73%$11M45.2K
12DFACDimensional U.S. Core Equity 2 ETFhistory →US CORE EQUITY 22.22%$9M232.4K
13AMZNAmazon Communications Inchistory →COM2.18%$9M40.0K
14JPMJPMorgan Chase & Cohistory →COM1.93%$8M24.7K
15CZFSCitizens Financial Services Inchistory →COM1.75%$7M117.1K
16METAMeta Platforms Inchistory →CL A1.59%$6M8.7K
17CZNCCitizens & Northern Corphistory →COM1.58%$6M321.1K
18MAMastercard Inc Class Ahistory →CL A1.15%$5M8.2K
19COSTCostco Wholesale Corp (New)history →COM1.05%$4M4.6K
20ORCLOracle Corphistory →COM1.01%$4M14.5K
21Avantis International Equity ETFINTL EQT ETF1.00%$4M51.1K
22iShares Barclays MBS Bond Fund ETFMBS ETF0.81%$3M34.4K
23EXMOCExxon Mobil CorpCOM0.77%$3M27.6K
24ABTAbbott LabsCOM0.73%$3M21.9K
25PGProcter & Gamble CoCOM0.71%$3M18.8K
26NSCNorfolk Southern CorpCOM0.71%$3M9.6K
27HDHome Depot IncCOM0.66%$3M6.6K
28BXBlackstone IncCOM0.66%$3M15.6K
29AMDAdvanced Micro Devices IncCOM0.64%$3M16.0K
30GDGeneral Dynamics CorpCOM0.64%$3M7.5K
31TJXTjx Companies (New)COM0.63%$3M17.5K
32ABGCencora, Inc.COM0.58%$2M7.5K
33CSCOCisco Systems IncCOM0.58%$2M34.0K
34AVGOBroadcom Inc CommonCOM0.53%$2M6.5K
35CVSCVS Health CorporationCOM0.53%$2M28.3K
36SCHWCharles Schwab CorpCOM0.52%$2M22.1K
37CRMSalesforce, Inc.COM0.52%$2M8.8K
38MDLZMondelez Intl Inc Class ACL A0.49%$2M31.6K
39HONGBPHoneywell Intl IncCOM0.48%$2M9.2K
40CMGChipotle Mexican Grill Inc Corp CommonCOM0.47%$2M48.1K
41RTXRTX CorporationCOM0.47%$2M11.3K
42SPDR S&P 500 ETF TrustTR UNIT0.46%$2M2.8K
43AMTAmerican Tower REIT IncCOM0.45%$2M9.4K
44GSKGSK PLC ADRSPONSORED ADR0.44%$2M41.5K
45ADIAnalog Devices IncCOM0.43%$2M7.1K
46Eaton CorpSHS0.42%$2M4.6K
47NOWServicenow IncCOM0.42%$2M1.9K
48KOCoca Cola CoCOM0.40%$2M24.5K
49GLWCorning IncCOM0.40%$2M19.7K
50PANWPalo Alto Networks Inc CommonCOM0.39%$2M7.7K

Filing History

QuarterReported ValuePositionsFiledTypeLinks
Q1 2026$401M119Apr 27, 202613F-HRchanges · EDGAR ↗
Q4 2025$404M124Jan 28, 202613F-HRchanges · EDGAR ↗
Q3 2025$404M121Oct 24, 202513F-HRchanges · EDGAR ↗
Q2 2025$374M118Jul 30, 202513F-HRchanges · EDGAR ↗
Q1 2025$355M118Apr 21, 202513F-HRchanges · EDGAR ↗
Q4 2024$365M126Jan 31, 202513F-HRchanges · EDGAR ↗
Q3 2024$333M126Nov 4, 202413F-HRchanges · EDGAR ↗
Q2 2024$320M118Jul 30, 202413F-HRchanges · EDGAR ↗
Q1 2024$296M109May 13, 202413F-HRchanges · EDGAR ↗
Q4 2023$280M111Feb 9, 202413F-HRchanges · EDGAR ↗
Q3 2023$249M97Nov 13, 202313F-HRchanges · EDGAR ↗
Q2 2023$265M97Aug 11, 202313F-HRchanges · EDGAR ↗
Q1 2023$256M99May 5, 202313F-HRchanges · EDGAR ↗
Q4 2022$242M99Feb 14, 202313F-HRchanges · EDGAR ↗
Q3 2022$213M96Nov 9, 202213F-HRchanges · EDGAR ↗
Q2 2022$229M101Aug 4, 202213F-HRchanges · EDGAR ↗
Q1 2022$271M100May 12, 202213F-HRchanges · EDGAR ↗
Q4 2021$279M104Jan 24, 202213F-HRchanges · EDGAR ↗
Q3 2021$261M103Nov 4, 202113F-HRchanges · EDGAR ↗
Q2 2021$267M103Aug 2, 202113F-HRchanges · EDGAR ↗
Q1 2021$253M98May 11, 202113F-HRchanges · EDGAR ↗
Q4 2020$227M100Feb 9, 202113F-HRchanges · EDGAR ↗

Other Included Managers

This filing reports holdings on behalf of 1 additional manager.

  • Citizens & Northern Bank028-14473

13F filings are due up to 45 days after quarter end, so holdings shown here lag the fund’s current book. Source: original SEC filing on EDGAR ↗.