SEC 13F Intelligence

Managers / Q4 2025 · view latest →

CITIZENS & NORTHERN CORP

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

Reported Value
$404M
Q4 2025
Positions
124
Filings on Record
22
2019–present window
Filed
Jan 28, 2026
original filing

Summary

Citizens & Northern Corp reported $404M in U.S.-listed holdings across 124 positions for Q4 2025.

Its largest position, Vanguard Russell 1000 Growth Etf, represents 11.1% of the portfolio.

Compared with Q3 2025, the fund opened 9 new positions and exited 6.

Portfolio Metrics

Turnover
+7.3%
vs prior filed quarter
Top-10 Concentration
+51.5%
share of reported value
Largest Position
+11.1%
Vanguard Russell 1000 Growth Etf
New / Exited
9 / 6
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: 49.4%ETP: 49.0%Other: 0.7%ADR: 0.5%REIT: 0.4%
  • Common Stock · 49.4% · $199M
  • ETP · 49.0% · $198M
  • Other · 0.7% · $3M
  • ADR · 0.5% · $2M
  • REIT · 0.4% · $2M

Quarter-over-Quarter Changes full breakdown →

vs Q3 2025 (amended baseline)

IssuerMoveShare ΔShares nowValue ΔValue now
KKRKKR & Co IncNEW+14.2K14.2K+$2M$2M
TRVCCitigroup Inc Common NewNEW+13.9K13.9K+$2M$2M
NFLXNetflix Inc CorpNEW+15.6K15.6K+$1M$1M
EMREmerson Electric CoNEW+10.0K10.0K+$1M$1M
INTUIntuitNEW+2.0K2.0K+$1M$1M
TPRTapestry Inc CommonNEW+8.4K8.4K+$1M$1M
Health Care Select Sector SPDR ETFNEW+2.7K2.7K+$411,613$411,613
iShares Dow Jones US Med Devices IndexNEW+6.2K6.2K+$384,025$384,025

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

Holdings — Q4 2025

50 positions
Export to Excel
#IssuerClass% PortfolioValue ↓Shares
1Vanguard Russell 1000 Growth ETFVNG RUS1000GRW11.09%$45M367.7K
2Fidelity MSCI Real Estate Index ETFMSCI RL EST ETF7.24%$29M1.09M
3iShares North American Natural Resources ETFNORTH AMERN NAT6.13%$25M492.5K
4iShares Core MSCI Emerging Mkts ETFCORE MSCI EMKT5.52%$22M331.7K
5iShares S&P MidCap 400 Index FdCORE S&P MCP ETF4.23%$17M258.7K
6NVDANvidia Corphistory →COM3.78%$15M81.9K
7AAPLApple Computer Inchistory →COM3.59%$14M53.2K
8MSFTMicrosoft Corphistory →COM3.39%$14M28.3K
9State Street SPDR Portfolio S&P 400 Mid Cap ETFPORTFOLIO S&P4003.38%$14M235.6K
10iShares JPMorgan USD Emerging Markets Bond ETFJPMORGAN USD EMG3.15%$13M132.2K
11GOOGAlphabet Inc Class Chistory →CAP STK CL C3.15%$13M40.5K
12DFACDimensional U.S. Core Equity 2 ETFhistory →US CORE EQUITY 22.34%$9M238.0K
13AMZNAmazon Communications Inchistory →COM2.16%$9M37.7K
14CZNCCitizens & Northern Corphistory →COM1.81%$7M361.4K
15CZFSCitizens Financial Services Inchistory →COM1.65%$7M117.1K
16JPMJPMorgan Chase & Cohistory →COM1.60%$6M20.1K
17METAMeta Platforms Inchistory →CL A1.44%$6M8.8K
18Avantis International Equity ETFINTL EQT ETF1.12%$5M54.8K
19MAMastercard Inc Class Ahistory →CL A1.11%$4M7.9K
20COSTCostco Wholesale Corp (New)COM0.93%$4M4.4K
21AMDAdvanced Micro Devices IncCOM0.84%$3M15.9K
22iShares Barclays MBS Bond Fund ETFMBS ETF0.83%$3M35.3K
23EXMOCExxon Mobil CorpCOM0.79%$3M26.3K
24ORCLOracle CorpCOM0.70%$3M14.5K
25PGProcter & Gamble CoCOM0.66%$3M18.6K
26TJXTjx Companies (New)COM0.64%$3M16.9K
27ABTAbbott LabsCOM0.64%$3M20.6K
28RTXRTX CorporationCOM0.63%$3M13.8K
29CSCOCisco Systems IncCOM0.62%$3M32.7K
30ADIAnalog Devices IncCOM0.62%$3M9.3K
31CATCaterpillar IncCOM0.60%$2M4.2K
32ABGCencora, Inc.COM0.59%$2M7.0K
33BXBlackstone IncCOM0.58%$2M15.3K
34AVGOBroadcom Inc CommonCOM0.58%$2M6.7K
35CRMSalesforce, Inc.COM0.56%$2M8.5K
36CVSCVS Health CorporationCOM0.53%$2M26.8K
37SCHWCharles Schwab CorpCOM0.53%$2M21.3K
38NSCNorfolk Southern CorpCOM0.49%$2M6.8K
39State Street SPDR S&P 500 ETF TrustTR UNIT0.49%$2M2.9K
40BABoeing CoCOM0.48%$2M9.0K
41GSKGSK PLC ADRSPONSORED ADR0.48%$2M39.6K
42HDHome Depot IncCOM0.48%$2M5.6K
43GLWCorning IncCOM0.47%$2M21.7K
44GDGeneral Dynamics CorpCOM0.45%$2M5.4K
45KKRKKR & Co IncCOM0.45%$2M14.2K
46JNJJohnson & JohnsonCOM0.42%$2M8.2K
47KOCoca Cola CoCOM0.41%$2M23.4K
48TRVCCitigroup Inc Common NewCOM NEW0.40%$2M13.9K
49PYPLPaypal Holdings, Inc.COM0.40%$2M27.4K
50AMTAmerican Tower REIT IncCOM0.39%$2M9.1K

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 ↗.