CITIZENS & NORTHERN CORP Q4 2025 Filing

Filed January 28, 2026

Portfolio Value

$403.6B

Holdings

124

Report Date

Q4 2025

Filing Type

13F-HR

All Holdings (124 positions)

#StockSharesValue% PortfolioType
1
VONGVanguard Russell 1000 Growth ETF
367,716$44.8B11.09%
2
FRELFidelity MSCI Real Estate Index ETF
1,087,071$29.2B7.24%
3
IGEiShares North American Natural Resources ETF
492,536$24.7B6.13%
4
IEMGiShares Core MSCI Emerging Mkts ETF
331,668$22.3B5.52%
5
IJHiShares S&P MidCap 400 Index Fd
258,672$17.1B4.23%
6
NVDANvidia Corp
81,880$15.3B3.78%
7
AAPLApple Computer Inc
53,237$14.5B3.59%
8
MSFTMicrosoft Corp
28,309$13.7B3.39%
9
SPMDState Street SPDR Portfolio S&P 400 Mid Cap ETF
235,643$13.6B3.38%
10
EMBiShares JPMorgan USD Emerging Markets Bond ETF
132,225$12.7B3.15%
11
GOOGAlphabet Inc Class C
40,453$12.7B3.15%
12
DFACDimensional U.S. Core Equity 2 ETF
238,023$9.4B2.34%
13
AMZNAmazon Communications Inc
37,712$8.7B2.16%
14
CZNCCitizens & Northern Corp
361,412$7.3B1.81%
15
CZFSCitizens Financial Services Inc
117,063$6.7B1.65%
16
JPMJPMorgan Chase & Co
20,091$6.5B1.60%
17
METAMeta Platforms Inc
8,780$5.8B1.44%
18
AVDEAvantis International Equity ETF
54,809$4.5B1.12%
19
MAMastercard Inc Class A
7,877$4.5B1.11%
20
COSTCostco Wholesale Corp (New)
4,373$3.8B0.93%
21
AMDAdvanced Micro Devices Inc
15,877$3.4B0.84%
22
MBBiShares Barclays MBS Bond Fund ETF
35,349$3.4B0.83%
23
XOMExxon Mobil Corp
26,338$3.2B0.79%
24
ORCLOracle Corp
14,504$2.8B0.70%
25
PGProcter & Gamble Co
18,566$2.7B0.66%
26
TJXTjx Companies (New)
16,856$2.6B0.64%
27
ABTAbbott Labs
20,562$2.6B0.64%
28
RTXRTX Corporation
13,774$2.5B0.63%
29
CSCOCisco Systems Inc
32,735$2.5B0.62%
30
ADIAnalog Devices Inc
9,288$2.5B0.62%
31
CATCaterpillar Inc
4,214$2.4B0.60%
32
ABGCencora, Inc.
7,045$2.4B0.59%
33
BXBlackstone Inc
15,280$2.4B0.58%
34
AVGOBroadcom Inc Common
6,719$2.3B0.58%
35
CRMSalesforce, Inc.
8,467$2.2B0.56%
36
CVSCVS Health Corporation
26,828$2.1B0.53%
37
SCHWCharles Schwab Corp
21,271$2.1B0.53%
38
NSCNorfolk Southern Corp
6,836$2.0B0.49%
39
SPYState Street SPDR S&P 500 ETF Trust
2,877$2.0B0.49%
40
BABoeing Co
8,980$1.9B0.48%
41
GSKGSK PLC ADR
39,595$1.9B0.48%
42
HDHome Depot Inc
5,601$1.9B0.48%
43
GLWCorning Inc
21,734$1.9B0.47%
44
GDGeneral Dynamics Corp
5,408$1.8B0.45%
45
KKRKKR & Co Inc
14,168$1.8B0.45%
46
JNJJohnson & Johnson
8,196$1.7B0.42%
47
KOCoca Cola Co
23,393$1.6B0.41%
48
TRVCCitigroup Inc Common New
13,930$1.6B0.40%
49
PYPLPaypal Holdings, Inc.
27,351$1.6B0.40%
50
AMTAmerican Tower REIT Inc
9,061$1.6B0.39%
51
AVUSAvantis US Equity ETF
13,829$1.5B0.38%
52
ACNAccenture PLC
5,588$1.5B0.37%
53
NFLXNetflix Inc Corp
15,633$1.5B0.36%
54
DISDisney Walt Co
12,788$1.5B0.36%
55
ETNEaton Corp
4,507$1.4B0.36%
56
CMGChipotle Mexican Grill Inc Corp Common
38,035$1.4B0.35%
57
NOWServicenow Inc
9,127$1.4B0.35%
58
NEENextera Energy Inc
17,340$1.4B0.34%
59
PANWPalo Alto Networks Inc Common
7,509$1.4B0.34%
60
ICEIntercontinental Exchange Inc Common
8,324$1.3B0.33%
61
ADBEAdobe Systems Inc
3,840$1.3B0.33%
62
SLBSLB Limited
34,819$1.3B0.33%
63
EMREmerson Electric Co
9,993$1.3B0.33%
64
INTUIntuit
2,001$1.3B0.33%
65
MDLZMondelez Intl Inc Class A
24,204$1.3B0.32%
66
DONSPDR Dow Jones Industrial Average ETF Trust
2,543$1.2B0.30%
67
BIIBBiogen Idec Inc
6,912$1.2B0.30%
68
MRSHMarsh
6,509$1.2B0.30%
69
PFEPfizer Inc
47,977$1.2B0.30%
70
CVXChevron Corp
7,716$1.2B0.29%
71
UNPUnion Pacific Corp
5,044$1.2B0.29%
72
BNDXVanguard Total International Bond Index Fund ETF
24,121$1.2B0.29%
73
EOGEOG Resources, Inc.
10,726$1.1B0.28%
74
NKENike, Inc. Class B
17,005$1.1B0.27%
75
TPRTapestry Inc Common
8,383$1.1B0.27%
76
IWFiShares Trust Russell 1000 Growth ETF
2,254$1.1B0.26%
77
CARRCarrier Global Corp
19,638$1.0B0.26%
78
BMYBristol Myers Squibb Co
19,051$1.0B0.25%
79
MCDMcDonalds Corp
3,090$944.0M0.23%
80
FCXFreeport-McMoran, Inc.
17,999$914.0M0.23%
81
DDDuPont de Nemours Inc
22,119$889.0M0.22%
82
HYGiShares iBoxx $ High Yield Corp Bond ETF
10,822$872.0M0.22%
83
IBMInternational Business Machines
2,832$838.0M0.21%
84
BDXBecton, Dickinson & Co.
4,235$821.0M0.20%
85
SPTLState Street SPDR Portfolio Long Term Treasury ETF
30,396$804.0M0.20%
86
SPTSState Street SPDR Portfolio Short Term Treasury ETF
26,935$788.0M0.20%
87
AVEMAvantis Emerging Markets Equity ETF
10,143$781.0M0.19%
88
MTBM & T Bank Corp
3,642$733.0M0.18%
89
BRK/BBerkshire Hathaway Inc Class B New
1,456$731.0M0.18%
90
ZBHZimmer Biomet Holdings, Inc.
8,080$726.0M0.18%
91
IWDiShares Russell 1000 Value ETF
3,029$637.0M0.16%
92
SUBiShares Short-Term National Muni Bond ETF
5,929$632.0M0.16%
93
VIGVanguard Dividend Appreciation Index ETF
2,866$629.0M0.16%
94
BACVerizon Communications
15,240$620.0M0.15%
95
DFICDFA Dimensional International Core Equity 2 ETF
17,326$597.0M0.15%
96
TIPiShares Barclays TIPS Bond Fund
5,404$593.0M0.15%
97
ROPRoper Industries Inc New
1,115$496.0M0.12%
98
ITWIllinois Tool Works Inc
1,898$467.0M0.12%
99
BBWIBath & Body Works
21,871$439.0M0.11%
100
DFEMDFA Dimensional Emerging Markets Core Equity 2 ETF
12,833$424.0M0.11%
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