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 Corporation is a bank holding company headquartered in Wellsboro, Pennsylvania. Through its principal subsidiary, Citizens & Northern Bank, the company provides community banking services to individuals, families, businesses and organizations. For more information on Citizens & Northern stock, visit the Citizens & Northern stock profile here.Investment ActivityCitizens & Northern has $439.88 million in total holdings as of September 30, 2026.Citizens & Northern owns shares of 111 different stocks, but just 34 companies or ETFs make up 80% of its holdings.Approximately 4.25% of the portfolio was purchased this quarter.About 4.86% of the portfolio was sold this quarter.This quarter, Citizens & Northern has purchased 117 new stocks and bought additional shares in 30 stocks.Citizens & Northern sold shares of 55 stocks and completely divested from 17 stocks this quarter.Largest Holdings Vanguard Russell 1000 Growth ETF $60,015,110Fidelity MSCI Real Estate Index ETF $26,725,197iShares North American Natural Resources ETF $26,389,658iShares Core MSCI Emerging Markets ETF $26,345,104NVIDIA $18,134,057 Largest New Holdings this Quarter 30233Q108 - ExxonMobil Holdings Corporation $4,127,503 Holding931142103 - Walmart Inc. $1,594,756 Holding595112103 - Micron Technology $1,582,753 Holding88160R101 - Tesla $1,278,026 Holding026874784 - American International Group $781,931 Holding Largest Purchases this Quarter ExxonMobil Holdings Corporation 25,361 shares (about $4.13M)Walmart Inc. 15,346 shares (about $1.59M)Micron Technology 1,486 shares (about $1.58M)Tesla 3,602 shares (about $1.28M)Fidelity MSCI Real Estate Index ETF 29,633 shares (about $805.42K) Largest Sales this Quarter Advanced Micro Devices 4,407 shares (about $2.70M)iShares Core MSCI Emerging Markets ETF 15,531 shares (about $1.26M)Amazon.com 2,938 shares (about $732.00K)NVIDIA 2,592 shares (about $591.96K)Alphabet 1,206 shares (about $410.93K) 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$60,015,110$426,887 ▲0.7%465,48613.6%ETFFRELFidelity MSCI Real Estate Index ETF$26,725,197$805,425 ▲3.1%983,2676.1%ETFIGEiShares North American Natural Resources ETF$26,389,658$17,072 ▲0.1%428,1956.0%ETFIEMGiShares Core MSCI Emerging Markets ETF$26,345,104$1,260,496 ▼-4.6%324,6076.0%ETFNVDANVIDIA$18,134,057$591,961 ▼-3.2%79,4034.1%TechnologyAAPLApple$17,952,442$128,879 ▲0.7%53,9084.1%TechnologyIJHiShares Core S&P Mid-Cap ETF$15,484,431$174,551 ▼-1.1%215,2113.5%ETFMSFTMicrosoft$14,563,796$379,546 ▼-2.5%28,3953.3%TechnologySPMDSPDR Portfolio S&P 400 Mid Cap ETF$13,075,316$45,767 ▼-0.3%207,4133.0%ETFGOOGAlphabet$13,032,624$410,932 ▼-3.1%38,2483.0%Communication ServicesEMBiShares J.P. Morgan USD Emerging Markets Bond ETF$12,584,065$508,250 ▲4.2%138,5302.9%ETFDFACDimensional U.S. Core Equity 2 ETF$10,521,404$58,718 ▼-0.6%236,7022.4%ETFCZNCCitizens & Northern$9,427,467$683,172 ▲7.8%376,7972.1%FinanceCZFSCitizens Financial Services$9,343,585$141,262 ▲1.5%118,8602.1%FinanceAMZNAmazon.com$8,693,591$732,003 ▼-7.8%34,8932.0%Consumer DiscretionaryMETAMeta Platforms$6,061,780$310,377 ▼-4.9%8,3591.4%Communication ServicesJPMJPMorgan Chase & Co.$5,656,862$232,573 ▼-3.9%17,0991.3%FinanceAMDAdvanced Micro Devices$5,084,337$2,696,026 ▼-34.7%8,3111.2%TechnologyAVDEAvantis International Equity ETF$4,938,8390.0%54,8091.1%ETFAVGOBroadcom$4,658,535$201,934 ▲4.5%13,2651.1%TechnologyMAMastercard$4,198,341$125,184 ▼-2.9%7,6131.0%FinanceExxonMobil Holdings Corporation$4,127,503$4,127,503 ▲New Holding25,3610.9%COM SHSWFCWells Fargo & Company$4,125,297$18,331 ▼-0.4%51,5340.9%FinanceCOSTCostco Wholesale$3,797,938$108,330 ▼-2.8%4,1720.9%Consumer StaplesMBBiShares MBS ETF$3,071,457$282,662 ▲10.1%34,2720.7%ETFGLWCorning$3,022,6140.0%19,6580.7%TechnologyCSCOCisco Systems$2,987,055$491,008 ▲19.7%27,7530.7%TechnologyADIAnalog Devices$2,968,184$144,799 ▼-4.7%7,4820.7%TechnologyCATCaterpillar$2,927,763$190,536 ▼-6.1%3,6110.7%IndustrialsPANWPalo Alto Networks$2,774,813$112,041 ▼-3.9%6,9840.6%TechnologyPGProcter & Gamble$2,654,992$29,056 ▼-1.1%18,2750.6%Consumer StaplesCCitigroup$2,533,535$411,228 ▲19.4%19,5670.6%FinanceRTXRTX$2,533,380$175,439 ▲7.4%13,6460.6%IndustrialsCRMSalesforce$2,520,908$40,175 ▼-1.6%10,9810.6%TechnologySCHWCharles Schwab$2,382,413$19,059 ▼-0.8%24,3750.5%FinanceTJXTJX Companies$2,298,225$77,137 ▲3.5%17,3700.5%Consumer DiscretionarySPYSPDR S&P 500 ETF Trust$2,235,269$41,182 ▲1.9%2,9310.5%ETFCVSCVS Health$2,231,539$23,393 ▼-1.0%26,0420.5%HealthcareETNEaton$2,215,585$85,942 ▼-3.7%5,1560.5%IndustrialsMDTMedtronic$2,201,344$30,633 ▼-1.4%25,5110.5%HealthcareJNJJohnson & Johnson$2,168,221$7,413 ▼-0.3%8,1900.5%HealthcareEMREmerson Electric$2,147,980$269,409 ▲14.3%13,8490.5%IndustrialsBIIBBiogen$2,089,164$520,879 ▲33.2%9,2490.5%HealthcareKOCoca-Cola$1,915,796$47,344 ▼-2.4%22,2560.4%Consumer StaplesORCLOracle$1,876,205$49,291 ▼-2.6%13,6650.4%TechnologyKLACKLA$1,858,268$11,891 ▲0.6%9,5330.4%TechnologyGSKGSK$1,840,768$46,340 ▼-2.5%38,2140.4%HealthcareFCXFreeport-McMoRan$1,817,690$68,880 ▼-3.7%25,9670.4%MaterialsCORCencora$1,784,386$364,203 ▼-17.0%5,9430.4%HealthcareGDGeneral Dynamics$1,777,613$80,967 ▲4.8%5,3570.4%IndustrialsAVUSAvantis U.S. Equity ETF$1,743,945$27,411 ▼-1.5%13,6150.4%ETFBABoeing$1,700,869$14,884 ▲0.9%9,1420.4%IndustrialsSLBSLB$1,688,099$5,262 ▼-0.3%34,6490.4%EnergyBXBlackstone$1,664,873$33,739 ▼-2.0%14,8530.4%FinanceWalmart Inc.$1,594,756$1,594,756 ▲New Holding15,3460.4%COMMUMicron Technology$1,582,753$1,582,753 ▲New Holding1,4860.4%TechnologyGSThe Goldman Sachs Group$1,508,103$441,176 ▲41.4%1,6750.3%FinanceCVXChevron$1,483,994$28,794 ▼-1.9%7,2670.3%EnergyKKRKKR & Co. Inc.$1,466,552$17,347 ▼-1.2%16,0630.3%FinanceBMYBristol Myers Squibb$1,446,182$28,205 ▼-1.9%23,1760.3%HealthcareOVVOvintiv$1,445,211$41,399 ▼-2.8%24,9950.3%EnergyBDXBecton, Dickinson and Company$1,411,057$17,900 ▲1.3%7,8830.3%HealthcareAMTAmerican Tower$1,405,279$29,792 ▼-2.1%8,5850.3%Real EstateUNPUnion Pacific$1,372,624$1,361 ▼-0.1%5,0440.3%IndustrialsPFEPfizer$1,320,847$46,374 ▼-3.4%46,3130.3%HealthcareMTBM&T Bank$1,311,693$519,194 ▲65.5%6,0280.3%FinanceDIASPDR Dow Jones Industrial Average ETF Trust$1,293,2430.0%2,5430.3%ETFNEENextEra Energy$1,286,444$6,514 ▲0.5%16,9850.3%UtilitiesTSLATesla$1,278,026$1,278,026 ▲New Holding3,6020.3%Consumer DiscretionaryHDHome Depot$1,274,231$326,595 ▼-20.4%4,4790.3%Consumer DiscretionaryNFLXNetflix$1,207,978$6,401 ▼-0.5%17,3610.3%Communication ServicesDISWalt Disney$1,176,873$139,937 ▼-10.6%11,2190.3%Communication ServicesTPRTapestry$1,169,152$31,751 ▲2.8%10,1630.3%Consumer DiscretionaryPCARPACCAR$1,054,505$45,681 ▲4.5%9,6030.2%IndustrialsSPTLSPDR Portfolio Long Term Treasury ETF$1,021,996$324,908 ▲46.6%42,8510.2%ETFACNAccenture$997,349$35,574 ▼-3.4%5,4390.2%TechnologyYUMYum! Brands$990,510$29,040 ▲3.0%7,2650.2%Consumer DiscretionaryAVEMAvantis Emerging Markets Equity ETF$953,6450.0%10,1430.2%ETFIWFiShares Russell 1000 Growth ETF$870,306$86,429 ▼-9.0%6,9480.2%ETFADBEAdobe$844,109$102,214 ▼-10.8%3,5180.2%TechnologyAIGAmerican International Group$781,931$781,931 ▲New Holding10,5070.2%FinanceBRK.BBerkshire Hathaway$765,349$43,820 ▲6.1%1,5370.2%FinanceSPTSSPDR Portfolio Short Term Treasury ETF$735,156$19,983 ▼-2.6%25,6420.2%ETFIUSBiShares Core Total USD Bond Market ETF$724,796$724,796 ▲New Holding16,4390.2%ETFVZVerizon Communications$715,343$50,870 ▼-6.6%15,5950.2%Communication ServicesINTUIntuit$703,888$30,604 ▼-4.2%2,5530.2%TechnologyIWDiShares Russell 1000 Value ETF$678,584$10,909 ▼-1.6%2,7370.2%ETFVIGVanguard Dividend Appreciation ETF$668,6660.0%2,8660.2%ETFSUBiShares Short-Term National Muni Bond ETF$619,8180.0%5,9290.1%ETFSPLGSPDR Portfolio S&P 500 ETF$603,995$603,995 ▲New Holding6,7290.1%ETFDEDeere & Company$590,9640.0%8800.1%IndustrialsDFICDimensional International Core Equity 2 ETF$576,411$75,220 ▼-11.5%15,3260.1%ETFIBMInternational Business Machines$534,650$22,213 ▼-4.0%2,4310.1%TechnologyBBWIBath & Body Works$529,117$1,146 ▼-0.2%33,2360.1%Consumer DiscretionaryDFEMDimensional Emerging Markets Core Equity 2 ETF$481,486$28,241 ▼-5.5%12,1220.1%ETFVXUSVanguard Total International Stock ETF$403,305$403,305 ▲New Holding4,7470.1%ETFNFGNational Fuel Gas$402,741$98,390 ▲32.3%5,3090.1%UtilitiesLLYEli Lilly and Company$388,7790.0%3360.1%HealthcareIVViShares Core S&P 500 ETF$367,608$57,439 ▲18.5%4800.1%ETFDGXQuest Diagnostics$358,9280.0%1,5400.1%HealthcareShowing largest 100 holdings. 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