CITIZENS & NORTHERN CORP Q1 2025 Filing

Filed April 21, 2025

Portfolio Value

$354.7M

Holdings

118

Report Date

Q1 2025

Filing Type

13F-HR

All Holdings (118 positions)

#	Stock	Shares	Value	% Portfolio
1	VONGVanguard Russell 1000 Growth ETF	418,613	$38.8M	10.95%
2	IGEiShares North American Natural Resources ETF	499,591	$22.7M	6.40%
3	FRELFidelity MSCI Real Estate Index ETF	790,369	$21.7M	6.12%
4	IEMGiShares Core MSCI Emerging Mkts ETF	371,237	$20.0M	5.65%
5	IJHiShares S&P MidCap 400 Index Fd	290,628	$17.0M	4.78%
6	SPMDSPDR Portfolio S&P 400 Mid Cap ETF	291,195	$14.9M	4.20%
7	AAPLApple Computer Inc	59,330	$13.2M	3.72%
8	MSFTMicrosoft Corp	31,921	$12.0M	3.38%
9	EMBiShares JPMorgan USD Emerging Markets Bond ETF	127,591	$11.6M	3.26%
10	NVDANvidia Corp	94,945	$10.3M	2.90%
11	AMZNAmazon Communications Inc	40,906	$7.8M	2.19%
12	GOOGAlphabet Inc Class C	43,435	$6.8M	1.91%
13	CZNCCitizens & Northern Corp	334,649	$6.7M	1.90%
14	CZFSCitizens Financial Services Inc	115,922	$6.7M	1.90%
15	JPMJPMorgan Chase & Co	26,041	$6.4M	1.80%
16	DFACDimensional U.S. Core Equity 2 ETF	161,912	$5.3M	1.51%
17	COSTCostco Wholesale Corp (New)	5,541	$5.2M	1.48%
18	METAMeta Platforms Inc	9,019	$5.2M	1.47%
19	MAMastercard Inc Class A	8,231	$4.5M	1.27%
20	XOMExxon Mobil Corp	28,638	$3.4M	0.96%
21	PGProcter & Gamble Co	18,462	$3.1M	0.89%
22	MBBiShares Barclays MBS Bond Fund ETF	33,290	$3.1M	0.88%
23	CMGChipotle Mexican Grill Inc Corp Common	57,560	$2.9M	0.81%
24	ABTAbbott Labs	21,580	$2.9M	0.81%
25	HDHome Depot Inc	6,657	$2.4M	0.69%
26	CRMSalesforce, Inc.	8,913	$2.4M	0.67%
27	NSCNorfolk Southern Corp	9,498	$2.2M	0.63%
28	TJXTjx Companies (New)	17,670	$2.2M	0.61%
29	MDLZMondelez Intl Inc Class A	31,288	$2.1M	0.60%
30	CSCOCisco Systems Inc	34,077	$2.1M	0.59%
31	ORCLOracle Corp	14,933	$2.1M	0.59%
32	GDGeneral Dynamics Corp	7,570	$2.1M	0.58%
33	AVDEAvantis International Equity ETF	30,955	$2.1M	0.58%
34	MRSHMarsh & McLennan Cos Inc	8,333	$2.0M	0.57%
35	ABGCencora, Inc.	7,285	$2.0M	0.57%
36	ADIAnalog Devices Inc	9,970	$2.0M	0.57%
37	PANWPalo Alto Networks Inc Common	11,733	$2.0M	0.56%
38	AMTAmerican Tower REIT Inc	9,124	$2.0M	0.56%
39	HONHoneywell Intl Inc	9,183	$1.9M	0.55%
40	ICEIntercontinental Exchange Inc Common	10,994	$1.9M	0.53%
41	CVSCVS Health Corporation	27,520	$1.9M	0.53%
42	BXBlackstone Inc	13,105	$1.8M	0.52%
43	SCHWCharles Schwab Corp	22,196	$1.7M	0.49%
44	KOCoca Cola Co	24,081	$1.7M	0.49%
45	CMCSAComcast Corp Class A	44,683	$1.6M	0.46%
46	GWWW W Grainger Inc	1,606	$1.6M	0.45%
47	ACNAccenture PLC	5,059	$1.6M	0.45%
48	SLBSchlumberger Ltd	37,648	$1.6M	0.44%
49	SPYSPDR S&P 500 ETF Trust	2,793	$1.6M	0.44%
50	TFCTruist Financial Corporation	37,743	$1.6M	0.44%
51	GSKGSK PLC ADR	39,989	$1.5M	0.44%
52	ADBEAdobe Systems Inc	3,927	$1.5M	0.42%
53	MASMasco Corp	21,181	$1.5M	0.42%
54	CVXChevron Corp	8,755	$1.5M	0.41%
55	MCDMcDonalds Corp	4,677	$1.5M	0.41%
56	NOWServicenow Inc	1,802	$1.4M	0.40%
57	ZBHZimmer Biomet Holdings, Inc.	12,616	$1.4M	0.40%
58	BLKBlackrock Funding Inc	1,443	$1.4M	0.39%
59	UNPUnion Pacific Corp	5,694	$1.3M	0.38%
60	DISDisney Walt Co	12,876	$1.3M	0.36%
61	NEENextera Energy Inc	17,636	$1.3M	0.35%
62	ETNEaton Corp	4,523	$1.2M	0.35%
63	BMYBristol Myers Squibb Co	19,442	$1.2M	0.33%
64	FDXFedex Corp	4,852	$1.2M	0.33%
65	EOGEOG Resources, Inc.	9,152	$1.2M	0.33%
66	BDXBecton, Dickinson & Co.	4,988	$1.1M	0.32%
67	BABoeing Co	6,600	$1.1M	0.32%
68	AVUSAvantis US Equity ETF	11,823	$1.1M	0.31%
69	NKENike, Inc. Class B	17,190	$1.1M	0.31%
70	CDWCDW Corporation	6,781	$1.1M	0.31%
71	BBWIBath & Body Works	35,453	$1.1M	0.30%
72	DONSPDR Dow Jones Industrial Average ETF Trust	2,543	$1.1M	0.30%
73	BNDXVanguard Total International Bond Index Fund ETF	21,702	$1.1M	0.30%
74	PYPLPaypal Holdings, Inc.	16,087	$1.0M	0.30%
75	AMDAdvanced Micro Devices Inc	9,378	$963K	0.27%
76	PFEPfizer Inc	37,001	$938K	0.26%
77	BRK/BBerkshire Hathaway Inc Class B New	1,750	$932K	0.26%
78	GLWCorning Inc	19,758	$905K	0.26%
79	DDDuPont de Nemours Inc	11,531	$861K	0.24%
80	SPTLSPDR Portfolio Long Term Treasury ETF	31,407	$856K	0.24%
81	IBMInternational Business Machines	3,271	$813K	0.23%
82	HALHalliburton Co	31,801	$807K	0.23%
83	VIGVanguard Dividend Appreciation Index ETF	4,118	$799K	0.23%
84	IWFiShares Trust Russell 1000 Growth ETF	2,116	$764K	0.22%
85	MCHPMicrochip Technology Inc	15,199	$736K	0.21%
86	FCXFreeport-McMoran, Inc.	18,956	$718K	0.20%
87	BACVerizon Communications	15,743	$714K	0.20%
88	ROPRoper Industries Inc New	1,115	$657K	0.19%
89	BIIBBiogen Idec Inc	4,713	$645K	0.18%
90	SUBiShares Short-Term National Muni Bond ETF	5,929	$626K	0.18%
91	TIPiShares Barclays TIPS Bond Fund	5,293	$588K	0.17%
92	IWDiShares Russell 1000 Value ETF	2,967	$558K	0.16%
93	HYGiShares iBoxx $ High Yield Corp Bond ETF	6,837	$539K	0.15%
94	TAT&T Inc	17,603	$498K	0.14%
95	MTBM & T Bank Corp	2,784	$498K	0.14%
96	DFICDFA Dimensional International Core Equity 2 ETF	17,326	$481K	0.14%
97	ITWIllinois Tool Works Inc	1,868	$463K	0.13%
98	JNJJohnson & Johnson	2,582	$428K	0.12%
99	DEDeere & Co	886	$416K	0.12%
100	WMTWalmart Inc.	4,667	$410K	0.12%

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