Citizens & Northern Top Holdings and 13F Report (2026) About Citizens & NorthernCitizens & Northern NASDAQ: CZNC has filed 13-F forms with the SEC as an investor. Citizens & Northern is itself a publicly traded company. Citizens & Northern Corp. is a holding company, which engages in community banking. It provides a full range of banking and mortgage services to individual and corporate customers in North Central Pennsylvania and Southern New York State. For more information on Citizens & Northern stock, visit the Citizens & Northern stock profile here.Investment ActivityCitizens & Northern has $437.70 million in total holdings as of June 30, 2026.Citizens & Northern owns shares of 117 different stocks, but just 34 companies or ETFs make up 80% of its holdings.Approximately 5.81% of the portfolio was purchased this quarter.About 6.31% of the portfolio was sold this quarter.This quarter, Citizens & Northern has purchased 119 new stocks and bought additional shares in 21 stocks.Citizens & Northern sold shares of 61 stocks and completely divested from 11 stocks this quarter.Largest Holdings Vanguard Russell 1000 Growth ETF $59,070,587iShares Core MSCI Emerging Markets ETF $28,177,032Fidelity MSCI Real Estate Index ETF $27,941,476iShares North American Natural Resources ETF $24,040,433iShares Core S&P Mid-Cap ETF $16,781,989 Largest New Holdings this Quarter 949746101 - Wells Fargo & Company $4,277,694 Holding38141G104 - The Goldman Sachs Group $1,198,473 Holding144285103 - Carpenter Technology $235,633 Holding743315103 - Progressive $220,416 Holding384802104 - W.W. Grainger $213,583 Holding Largest Purchases this Quarter Vanguard Russell 1000 Growth ETF 77,534 shares (about $9.91M)Wells Fargo & Company 51,763 shares (about $4.28M)KLA 8,520 shares (about $2.57M)Broadcom 5,804 shares (about $2.19M)The Goldman Sachs Group 1,185 shares (about $1.20M) Largest Sales this Quarter Fidelity MSCI Real Estate Index ETF 166,299 shares (about $4.87M)iShares Core S&P Mid-Cap ETF 30,749 shares (about $2.37M)iShares North American Natural Resources ETF 41,851 shares (about $2.35M)SPDR Portfolio S&P 400 Mid Cap ETF 30,328 shares (about $2.05M)Advanced Micro Devices 2,595 shares (about $1.51M) Sector Allocation Over TimeMap of 500 Largest Holdings ofCitizens & Northern Selling Neutral Buying Latest 13F Holdings and Changes Since Previous Quarterly FilingIssuer NameHoldings ValueApproximate Purchase/SaleChange in SharesShares Held% of PortfolioSectorVONGVanguard Russell 1000 Growth ETF$59,070,587$9,909,621 â–²20.2%462,17513.5%ETFIEMGiShares Core MSCI Emerging Markets ETF$28,177,032$611,939 â–²2.2%340,1386.4%ETFFRELFidelity MSCI Real Estate Index ETF$27,941,476$4,872,561 â–¼-14.8%953,6346.4%ETFIGEiShares North American Natural Resources ETF$24,040,433$2,351,189 â–¼-8.9%427,9185.5%ETFIJHiShares Core S&P Mid-Cap ETF$16,781,989$2,371,055 â–¼-12.4%217,6373.8%ETFNVDANVIDIA$16,406,380$179,081 â–¼-1.1%81,9953.7%Computer and TechnologyAAPLApple$15,486,837$26,910 â–¼-0.2%53,5213.5%Computer and TechnologySPMDSPDR Portfolio S&P 400 Mid Cap ETF$14,061,871$2,048,960 â–¼-12.7%208,1393.2%ETFGOOGAlphabet$13,940,282$245,211 â–¼-1.7%39,4543.2%Computer and TechnologyEMBiShares J.P. Morgan USD Emerging Markets Bond ETF$12,820,251$288,741 â–¼-2.2%132,9352.9%ETFMSFTMicrosoft$10,867,938$195,836 â–¼-1.8%29,1352.5%Computer and TechnologyDFACDimensional U.S. Core Equity 2 ETF$10,558,7000.0%238,0232.4%ETFAMZNAmazon.com$9,016,641$302,692 â–¼-3.2%37,8312.1%Retail/WholesaleCZFSCitizens Financial Services$8,480,0440.0%117,0631.9%FinanceCZNCCitizens & Northern$8,146,666$241,515 â–¼-2.9%349,4921.9%FinanceAMDAdvanced Micro Devices$7,388,013$1,507,461 â–¼-16.9%12,7181.7%Computer and TechnologyJPMJPMorgan Chase & Co.$5,827,129$783,955 â–¼-11.9%17,8021.3%FinanceGLWCorning$5,021,2430.0%19,6581.1%Computer and TechnologyMETAMeta Platforms$4,949,629$672,568 â–¼-12.0%8,7871.1%Computer and TechnologyAVDEAvantis International Equity ETF$4,888,9630.0%54,8091.1%ETFAVGOBroadcom$4,793,648$2,192,461 â–²84.3%12,6901.1%Computer and TechnologyWFCWells Fargo & Company$4,277,694$4,277,694 â–²New Holding51,7631.0%FinanceCATCaterpillar$4,095,605$682,601 â–¼-14.3%3,8460.9%IndustrialsMAMastercard$4,026,624$179,246 â–¼-4.3%7,8400.9%Business ServicesCOSTCostco Wholesale$4,014,102$10,290 â–¼-0.3%4,2910.9%Retail/WholesaleXOMExxonMobil$3,530,657$38,145 â–¼-1.1%25,8240.8%EnergyADIAnalog Devices$3,116,593$782,425 â–¼-20.1%7,8470.7%Computer and TechnologyMBBiShares MBS ETF$2,941,273$523,357 â–¼-15.1%31,1180.7%ETFKLACKLA$2,857,797$2,570,569 â–²895.0%9,4720.7%Computer and TechnologyCSCOCisco Systems$2,724,015$1,113,521 â–¼-29.0%23,1910.6%Computer and TechnologyCVSCVS Health$2,722,287$100,657 â–¼-3.6%26,3150.6%MedicalPGProcter & Gamble$2,709,174$34,020 â–¼-1.2%18,4750.6%Consumer StaplesTJXTJX Companies$2,543,231$26,513 â–¼-1.0%16,7870.6%Retail/WholesalePANWPalo Alto Networks$2,477,851$78,094 â–¼-3.1%7,2660.6%Computer and TechnologyRTXRTX$2,409,761$204,150 â–¼-7.8%12,7010.6%AerospaceCCitigroup$2,294,084$32,891 â–¼-1.4%16,3910.5%Financial ServicesETNEaton$2,282,299$247,576 â–¼-9.8%5,3560.5%IndustrialsSCHWCharles Schwab$2,267,074$294,987 â–²15.0%24,5700.5%FinanceSPYSPDR S&P 500 ETF Trust$2,148,4570.0%2,8770.5%FinanceJNJJohnson & Johnson$2,087,125$41,905 â–²2.0%8,2180.5%MedicalORCLOracle$2,055,217$50,853 â–¼-2.4%14,0240.5%Computer and TechnologyGSKGSK$2,053,606$45,081 â–¼-2.1%39,1760.5%MedicalCORCencora$2,025,005$29,713 â–²1.5%7,1560.5%MedicalMDTMedtronic$2,023,497$255,499 â–²14.5%25,8660.5%MedicalHDHome Depot$1,984,530$53,607 â–¼-2.6%5,6270.5%Retail/WholesaleBABoeing$1,961,651$41,129 â–¼-2.1%9,0620.4%AerospaceKOCocaCola$1,853,444$43,967 â–¼-2.3%22,8060.4%Consumer StaplesGDGeneral Dynamics$1,811,229$56,324 â–¼-3.0%5,1130.4%AerospaceBXBlackstone$1,783,171$26,240 â–¼-1.5%15,1540.4%FinanceAVUSAvantis U.S. Equity ETF$1,771,2180.0%13,8290.4%ETFCRMSalesforce$1,747,699$346,062 â–²24.7%11,1560.4%Computer and TechnologyEMREmerson Electric$1,733,833$229,899 â–¼-11.7%12,1120.4%IndustrialsFCXFreeport-McMoRan$1,694,948$75,216 â–²4.6%26,9510.4%Basic MaterialsSLBSLB$1,615,853$10,879 â–¼-0.7%34,7570.4%EnergyBIIBBiogen$1,500,105$41,916 â–¼-2.7%6,9430.3%MedicalKKRKKR & Co. Inc.$1,491,700$10,279 â–¼-0.7%16,2530.3%FinanceNEENextEra Energy$1,483,225$29,140 â–¼-1.9%16,8990.3%UtilitiesTPRTapestry$1,447,259$13,467 â–²0.9%9,8870.3%Retail/WholesaleAMTAmerican Tower$1,434,018$981 â–¼-0.1%8,7670.3%FinanceUNPUnion Pacific$1,373,3280.0%5,0490.3%TransportationMDLZMondelez International$1,362,479$26,433 â–¼-1.9%23,5560.3%Consumer StaplesBMYBristol Myers Squibb$1,361,445$266,838 â–²24.4%23,6280.3%MedicalOVVOvintiv$1,353,684$161,214 â–²13.5%25,7110.3%EnergyDIASPDR Dow Jones Industrial Average ETF Trust$1,328,4380.0%2,5430.3%FinanceNFLXNetflix$1,246,144$460,530 â–²58.6%17,4530.3%Consumer DiscretionaryCVXChevron$1,227,950$24,035 â–¼-1.9%7,4080.3%EnergyDISWalt Disney$1,208,226$33,976 â–¼-2.7%12,5530.3%Consumer DiscretionaryGSThe Goldman Sachs Group$1,198,473$1,198,473 â–²New Holding1,1850.3%FinanceBDXBecton, Dickinson and Company$1,177,801$246,668 â–²26.5%7,7830.3%MedicalPYPLPayPal$1,172,510$32,990 â–¼-2.7%27,1540.3%Business ServicesPFEPfizer$1,154,371$13,100 â–¼-1.1%47,9390.3%MedicalYUMYum! Brands$1,127,333$20,142 â–²1.8%7,0520.3%Retail/WholesalePCARPACCAR$1,103,542$193,153 â–²21.2%9,1870.3%Auto/Tires/TrucksZBHZimmer Biomet$1,056,927$4,218 â–²0.4%12,2770.2%MedicalICEIntercontinental Exchange$978,725$28,438 â–¼-2.8%7,9500.2%FinanceAVEMAvantis Emerging Markets Equity ETF$978,6980.0%10,1430.2%ETFIWFiShares Russell 1000 Growth ETF$948,410$696,097 â–²275.9%7,6380.2%ETFMTBM&T Bank$866,8320.0%3,6420.2%FinanceADBEAdobe$808,599$23,577 â–¼-2.8%3,9440.2%Computer and TechnologyMCDMcDonald's$796,333$31,356 â–¼-3.8%2,9460.2%Retail/WholesaleBBWIBath & Body Works$770,414$763 â–¼-0.1%33,3080.2%Retail/WholesaleSPTLSPDR Portfolio Long Term Treasury ETF$766,650$99,307 â–¼-11.5%29,2280.2%ETFSPTSSPDR Portfolio Short Term Treasury ETF$764,094$46,996 â–¼-5.8%26,3390.2%ETFBRK.BBerkshire Hathaway$725,0650.0%1,4490.2%FinanceIBMInternational Business Machines$712,024$70,584 â–¼-9.0%2,5320.2%Computer and TechnologyVZVerizon Communications$707,247$53,518 â–²8.2%16,7040.2%Computer and TechnologyACNAccenture$700,971$5,475 â–¼-0.8%5,6330.2%Computer and TechnologyINTUIntuit$695,304$11,223 â–²1.6%2,6640.2%Computer and TechnologyVIGVanguard Dividend Appreciation ETF$678,1530.0%2,8660.2%ETFNKENIKE$675,724$24,507 â–¼-3.5%16,4610.2%Consumer DiscretionaryIWDiShares Russell 1000 Value ETF$674,198$60,123 â–¼-8.2%2,7810.2%ETFDFICDimensional International Core Equity 2 ETF$645,5670.0%17,3260.1%ETFSUBiShares Short-Term National Muni Bond ETF$631,2610.0%5,9290.1%ETFDEDeere & Company$558,2100.0%8800.1%IndustrialsDFEMDimensional Emerging Markets Core Equity 2 ETF$521,5330.0%12,8330.1%ETFCMICummins$430,0660.0%6030.1%Auto/Tires/TrucksLLYEli Lilly and Company$403,008$63,570 â–¼-13.6%3360.1%MedicalROKRockwell Automation$329,7230.0%6660.1%Computer and TechnologyDGXQuest Diagnostics$326,403$2,120 â–¼-0.6%1,5400.1%MedicalITWIllinois Tool Works$324,023$193,656 â–¼-37.4%1,1980.1%IndustrialsShowing largest 100 holdings. 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