# CITIZENS & NORTHERN CORP

> Institutional holdings reported to the SEC as of Q2 2026 on Form 13F. CIK 810958. Source: https://holderbook.com/funds/810958-citizens-northern-corp/

- Reported value: $437.7M
- Positions: 117
- Weight of the ten largest: 52.3%
- Filed: 2026-07-17

A 13F reports long US equity positions only. Short positions, bonds, foreign listings, private holdings and cash are not visible, so this is not the manager's whole book.

## Holdings

| Security | Ticker | Value | Shares | Weight | Quarters held |
|---|---|---|---|---|---|
| VANGUARD SCOTTSDALE FDS | [VONG](https://holderbook.com/stocks/VONG/) | $59.1M | 462,175 | 13.5% | 31 |
| ISHARES INC | [IEMG](https://holderbook.com/stocks/IEMG/) | $28.2M | 340,138 | 6.4% | 7 |
| FIDELITY COVINGTON TRUST | [FREL](https://holderbook.com/stocks/FREL/) | $27.9M | 953,634 | 6.4% | 25 |
| ISHARES TR | [IGE](https://holderbook.com/stocks/IGE/) | $24.0M | 427,918 | 5.5% | 7 |
| ISHARES TR | [IJH](https://holderbook.com/stocks/IJH/) | $16.8M | 217,637 | 3.8% | 31 |
| NVIDIA CORPORATION | [NVDA](https://holderbook.com/stocks/NVDA/) | $16.4M | 81,995 | 3.7% | 31 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $15.5M | 53,521 | 3.5% | 31 |
| SPDR SERIES TRUST | [SPMD](https://holderbook.com/stocks/SPMD/) | $14.1M | 208,139 | 3.2% | 15 |
| ALPHABET INC | [GOOG](https://holderbook.com/stocks/GOOG/) | $13.9M | 39,454 | 3.2% | 31 |
| ISHARES TR | [EMB](https://holderbook.com/stocks/EMB/) | $12.8M | 132,935 | 2.9% | 24 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $10.9M | 29,135 | 2.5% | 31 |
| DIMENSIONAL ETF TRUST | [DFAC](https://holderbook.com/stocks/DFAC/) | $10.6M | 238,023 | 2.4% | 11 |
| AMAZON COM INC | [AMZN](https://holderbook.com/stocks/AMZN/) | $9.0M | 37,831 | 2.1% | 31 |
| CITIZENS FINL SVCS INC | [CZFS](https://holderbook.com/stocks/CZFS/) | $8.5M | 117,063 | 1.9% | 17 |
| CITIZENS & NORTHN CORP | [CZNC](https://holderbook.com/stocks/CZNC/) | $8.1M | 349,492 | 1.9% | 31 |
| ADVANCED MICRO DEVICES INC | [AMD](https://holderbook.com/stocks/AMD/) | $7.4M | 12,718 | 1.7% | 8 |
| JPMORGAN CHASE & CO | [JPM](https://holderbook.com/stocks/JPM/) | $5.8M | 17,802 | 1.3% | 31 |
| CORNING INC | [GLW](https://holderbook.com/stocks/GLW/) | $5.0M | 19,658 | 1.1% | 31 |
| META PLATFORMS INC | [META](https://holderbook.com/stocks/META/) | $4.9M | 8,787 | 1.1% | 31 |
| AMERICAN CENTY ETF TR | [AVDE](https://holderbook.com/stocks/AVDE/) | $4.9M | 54,809 | 1.1% | 11 |
| BROADCOM INC | [AVGO](https://holderbook.com/stocks/AVGO/) | $4.8M | 12,690 | 1.1% | 7 |
| WELLS FARGO & CO | [WFC](https://holderbook.com/stocks/WFC/) | $4.3M | 51,763 | 1.0% | 1 |
| CATERPILLAR INC | [CAT](https://holderbook.com/stocks/CAT/) | $4.1M | 3,846 | 0.9% | 15 |
| MASTERCARD INCORPORATED | [MA](https://holderbook.com/stocks/MA/) | $4.0M | 7,840 | 0.9% | 31 |
| COSTCO WHOLESALE CORPORATION | [COST](https://holderbook.com/stocks/COST/) | $4.0M | 4,291 | 0.9% | 31 |
| EXXON MOBIL CORP | [XOMXXXX](https://holderbook.com/stocks/XOMXXXX/) | $3.5M | 25,824 | 0.8% | 31 |
| ANALOG DEVICES INC | [ADI](https://holderbook.com/stocks/ADI/) | $3.1M | 7,847 | 0.7% | 24 |
| ISHARES TR | [MBB](https://holderbook.com/stocks/MBB/) | $2.9M | 31,118 | 0.7% | 22 |
| KLA CORP | [KLAC](https://holderbook.com/stocks/KLAC/) | $2.9M | 9,472 | 0.7% | 2 |
| CISCO SYS INC | [CSCO](https://holderbook.com/stocks/CSCO/) | $2.7M | 23,191 | 0.6% | 19 |
| CVS HEALTH CORP | [CVS](https://holderbook.com/stocks/CVS/) | $2.7M | 26,315 | 0.6% | 31 |
| PROCTER & GAMBLE CO | [PG](https://holderbook.com/stocks/PG/) | $2.7M | 18,475 | 0.6% | 31 |
| TJX COS INC NEW | [TJX](https://holderbook.com/stocks/TJX/) | $2.5M | 16,787 | 0.6% | 31 |
| PALO ALTO NETWORKS INC | [PANW](https://holderbook.com/stocks/PANW/) | $2.5M | 7,266 | 0.6% | 24 |
| RTX CORPORATION | [RTX](https://holderbook.com/stocks/RTX/) | $2.4M | 12,701 | 0.6% | 5 |
| CITIGROUP INC | [C](https://holderbook.com/stocks/C/) | $2.3M | 16,391 | 0.5% | 3 |
| EATON CORP PLC | [ETN](https://holderbook.com/stocks/ETN/) | $2.3M | 5,356 | 0.5% | 8 |
| SCHWAB CHARLES CORP | [SCHW](https://holderbook.com/stocks/SCHW/) | $2.3M | 24,570 | 0.5% | 14 |
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $2.1M | 2,877 | 0.5% | 31 |
| JOHNSON & JOHNSON | [JNJ](https://holderbook.com/stocks/JNJ/) | $2.1M | 8,218 | 0.5% | 31 |
| ORACLE CORP | [ORCL](https://holderbook.com/stocks/ORCL/) | $2.1M | 14,024 | 0.5% | 31 |
| GSK PLC | [GSK](https://holderbook.com/stocks/GSK/) | $2.1M | 39,176 | 0.5% | 15 |
| CENCORA INC | [COR](https://holderbook.com/stocks/COR/) | $2.0M | 7,156 | 0.5% | 19 |
| MEDTRONIC PLC | [MDT](https://holderbook.com/stocks/MDT/) | $2.0M | 25,866 | 0.5% | 2 |
| HOME DEPOT INC | [HD](https://holderbook.com/stocks/HD/) | $2.0M | 5,627 | 0.5% | 31 |
| BOEING CO | [BA](https://holderbook.com/stocks/BA/) | $2.0M | 9,062 | 0.4% | 31 |
| COCA COLA CO | [KO](https://holderbook.com/stocks/KO/) | $1.9M | 22,806 | 0.4% | 31 |
| GENERAL DYNAMICS CORP | [GD](https://holderbook.com/stocks/GD/) | $1.8M | 5,113 | 0.4% | 31 |
| BLACKSTONE INC | [BX](https://holderbook.com/stocks/BX/) | $1.8M | 15,154 | 0.4% | 21 |
| AMERICAN CENTY ETF TR | [AVUS](https://holderbook.com/stocks/AVUS/) | $1.8M | 13,829 | 0.4% | 11 |
| SALESFORCE INC | [CRM](https://holderbook.com/stocks/CRM/) | $1.7M | 11,156 | 0.4% | 31 |
| EMERSON ELEC CO | [EMR](https://holderbook.com/stocks/EMR/) | $1.7M | 12,112 | 0.4% | 3 |
| FREEPORT-MCMORAN INC | [FCX](https://holderbook.com/stocks/FCX/) | $1.7M | 26,951 | 0.4% | 17 |
| SLB LIMITED | [SLB](https://holderbook.com/stocks/SLB/) | $1.6M | 34,757 | 0.4% | 31 |
| BIOGEN INC | [BIIB](https://holderbook.com/stocks/BIIB/) | $1.5M | 6,943 | 0.3% | 17 |
| KKR & CO INC | [KKR](https://holderbook.com/stocks/KKR/) | $1.5M | 16,253 | 0.3% | 3 |
| NEXTERA ENERGY INC | [NEE](https://holderbook.com/stocks/NEE/) | $1.5M | 16,899 | 0.3% | 26 |
| TAPESTRY INC | [TPR](https://holderbook.com/stocks/TPR/) | $1.4M | 9,887 | 0.3% | 3 |
| AMERICAN TOWER CORP | [AMT](https://holderbook.com/stocks/AMT/) | $1.4M | 8,767 | 0.3% | 31 |
| UNION PAC CORP | [UNP](https://holderbook.com/stocks/UNP/) | $1.4M | 5,049 | 0.3% | 31 |
| MONDELEZ INTL INC | [MDLZ](https://holderbook.com/stocks/MDLZ/) | $1.4M | 23,556 | 0.3% | 31 |
| BRISTOL-MYERS SQUIBB CO | [BMY](https://holderbook.com/stocks/BMY/) | $1.4M | 23,628 | 0.3% | 31 |
| OVINTIV INC | [OVV](https://holderbook.com/stocks/OVV/) | $1.4M | 25,711 | 0.3% | 2 |
| STATE STR SPDR DOW JONES IND | [DIA](https://holderbook.com/stocks/DIA/) | $1.3M | 2,543 | 0.3% | 29 |
| NETFLIX INC | [NFLX](https://holderbook.com/stocks/NFLX/) | $1.2M | 17,453 | 0.3% | 3 |
| CHEVRON CORPORATION | [CVX](https://holderbook.com/stocks/CVX/) | $1.2M | 7,408 | 0.3% | 31 |
| DISNEY WALT CO | [DIS](https://holderbook.com/stocks/DIS/) | $1.2M | 12,553 | 0.3% | 31 |
| GOLDMAN SACHS GROUP INC | [GS](https://holderbook.com/stocks/GS/) | $1.2M | 1,185 | 0.3% | 1 |
| BECTON DICKINSON & CO | [BDX](https://holderbook.com/stocks/BDX/) | $1.2M | 7,783 | 0.3% | 13 |
| PAYPAL HLDGS INC | [PYPL](https://holderbook.com/stocks/PYPL/) | $1.2M | 27,154 | 0.3% | 10 |
| PFIZER INC | [PFE](https://holderbook.com/stocks/PFE/) | $1.2M | 47,939 | 0.3% | 31 |
| YUM BRANDS INC | [YUM](https://holderbook.com/stocks/YUM/) | $1.1M | 7,052 | 0.3% | 2 |
| PACCAR INC | [PCAR](https://holderbook.com/stocks/PCAR/) | $1.1M | 9,187 | 0.3% | 2 |
| ZIMMER BIOMET HOLDINGS INC | [ZBH](https://holderbook.com/stocks/ZBH/) | $1.1M | 12,277 | 0.2% | 31 |
| INTERCONTINENTAL EXCHANGE IN | [ICE](https://holderbook.com/stocks/ICE/) | $978.7K | 7,950 | 0.2% | 31 |
| AMERICAN CENTY ETF TR | [AVEM](https://holderbook.com/stocks/AVEM/) | $978.7K | 10,143 | 0.2% | 11 |
| ISHARES TR | [IWF](https://holderbook.com/stocks/IWF/) | $948.4K | 7,638 | 0.2% | 31 |
| M & T BK CORP | [MTB](https://holderbook.com/stocks/MTB/) | $866.8K | 3,642 | 0.2% | 7 |
| ADOBE INC | [ADBE](https://holderbook.com/stocks/ADBE/) | $808.6K | 3,944 | 0.2% | 21 |
| MCDONALDS CORP | [MCD](https://holderbook.com/stocks/MCD/) | $796.3K | 2,946 | 0.2% | 31 |
| BATH & BODY WORKS INC | [BBWI](https://holderbook.com/stocks/BBWI/) | $770.4K | 33,308 | 0.2% | 15 |
| SPDR SERIES TRUST | [SPTL](https://holderbook.com/stocks/SPTL/) | $766.6K | 29,228 | 0.2% | 20 |
| SPDR SERIES TRUST | [SPTS](https://holderbook.com/stocks/SPTS/) | $764.1K | 26,339 | 0.2% | 5 |
| BERKSHIRE HATHAWAY INC DEL | [BRKB](https://holderbook.com/stocks/BRKB/) | $725.1K | 1,449 | 0.2% | 24 |
| INTERNATIONAL BUSINESS MACHS | [IBM](https://holderbook.com/stocks/IBM/) | $712.0K | 2,532 | 0.2% | 31 |
| VERIZON COMMUNICATIONS INC | [VZ](https://holderbook.com/stocks/VZ/) | $707.2K | 16,704 | 0.2% | 31 |
| ACCENTURE PLC IRELAND | [ACN](https://holderbook.com/stocks/ACN/) | $701.0K | 5,633 | 0.2% | 8 |
| INTUIT | [INTU](https://holderbook.com/stocks/INTU/) | $695.3K | 2,664 | 0.2% | 3 |
| VANGUARD SPECIALIZED FUNDS | [VIG](https://holderbook.com/stocks/VIG/) | $678.2K | 2,866 | 0.2% | 24 |
| NIKE INC | [NKE](https://holderbook.com/stocks/NKE/) | $675.7K | 16,461 | 0.2% | 31 |
| ISHARES TR | [IWD](https://holderbook.com/stocks/IWD/) | $674.2K | 2,781 | 0.2% | 31 |
| DIMENSIONAL ETF TRUST | [DFIC](https://holderbook.com/stocks/DFIC/) | $645.6K | 17,326 | 0.1% | 11 |
| ISHARES TR | [SUB](https://holderbook.com/stocks/SUB/) | $631.3K | 5,929 | 0.1% | 11 |
| DEERE & CO | [DE](https://holderbook.com/stocks/DE/) | $558.2K | 880 | 0.1% | 26 |
| DIMENSIONAL ETF TRUST | [DFEM](https://holderbook.com/stocks/DFEM/) | $521.5K | 12,833 | 0.1% | 6 |
| CUMMINS INC | [CMI](https://holderbook.com/stocks/CMI/) | $430.1K | 603 | 0.1% | 4 |
| ELI LILLY & CO | [LLY](https://holderbook.com/stocks/LLY/) | $403.0K | 336 | 0.1% | 12 |
| ROCKWELL AUTOMATION INC | [ROK](https://holderbook.com/stocks/ROK/) | $329.7K | 666 | 0.1% | 5 |
| QUEST DIAGNOSTICS INC | [DGX](https://holderbook.com/stocks/DGX/) | $326.4K | 1,540 | 0.1% | 8 |
| ILLINOIS TOOL WKS INC | [ITW](https://holderbook.com/stocks/ITW/) | $324.0K | 1,198 | 0.1% | 30 |

## What the disclosed book did

Not the fund's return. This is the change in value of the positions disclosed on Form 13F, had they been left untouched, against SPY over the same quarter ends.

| Quarter | Book | Market | Difference | Priced |
|---|---|---|---|---|
| Q2 2026 | +10.5% | +14.8% | -4.3% | 100% |
| Q1 2026 | -1.1% | -4.6% | +3.5% | 100% |
| Q4 2025 | +0.9% | +2.4% | -1.5% | 100% |
| Q3 2025 | +6.7% | +7.8% | -1.2% | 100% |
| Q2 2025 | +8.0% | +10.5% | -2.4% | 100% |
| Q1 2025 | -3.6% | -4.6% | +1.0% | 100% |
| Q4 2024 | -0.4% | +2.1% | -2.5% | 100% |
| Q3 2024 | +5.8% | +5.4% | +0.4% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q2 2026 | $437.7M | 117 |
| Q1 2026 | $401.0M | 119 |
| Q4 2025 | $403.6M | 124 |
| Q3 2025 | $403.5M | 121 |
| Q2 2025 | $373.7M | 118 |
| Q1 2025 | $354.7M | 118 |
| Q4 2024 | $365.1M | 126 |
| Q3 2024 | $333.1M | 126 |
| Q2 2024 | $319.7M | 118 |
| Q1 2024 | $295.7M | 109 |
| Q4 2023 | $280.1M | 111 |
| Q3 2023 | $249.0M | 97 |