Who owns CZNCWhat CZNC owns
What Citizens & Northern Corporation owns
The company's own 13F portfolio · as of 2026-03-31 · long US-listed stakes only — private holdings, bonds and cash are not disclosable on a 13F
$401.0M
disclosed stock portfolio
119
positions
10.5%
in VONG
Positions, as of 2026-03-31
ordered by filed value · % of book = share of the disclosed stock portfolio · PUT/CALL tags = options positions (share-equivalents), not shares held
| # | Issuer | Shares | Value | % of book |
|---|---|---|---|---|
| 1 | VONGVanguard Russell 1000 Growth ETF | 384,641 | $42.2M | 10.5% |
| 2 | FRELFidelity MSCI Real Estate Index ETF | 1.1M | $30.1M | 7.5% |
| 3 | IGEiShares North American Natural Resources ETF | 469,769 | $29.6M | 7.4% |
| 4 | IEMGiShares Core MSCI Emerging Mkts ETF | 332,751 | $23.2M | 5.8% |
| 5 | IJHiShares S&P MidCap 400 Index Fd | 248,386 | $16.8M | 4.2% |
| 6 | NVDANvidia Corp | 82,890 | $14.5M | 3.6% |
| 7 | SPMDState Street SPDR Portfolio S&P 400 Mid Cap ETF | 238,467 | $14.1M | 3.5% |
| 8 | AAPLApple Computer Inc | 53,614 | $13.6M | 3.4% |
| 9 | EMBiShares JPMorgan USD Emerging Markets Bond ETF | 135,929 | $12.8M | 3.2% |
| 10 | GOOGAlphabet Inc Class C | 40,148 | $11.5M | 2.9% |
| 11 | MSFTMicrosoft Corp | 29,660 | $11.0M | 2.7% |
| 12 | DFACDimensional U.S. Core Equity 2 ETF | 238,023 | $9.2M | 2.3% |
| 13 | AMZNAmazon Communications Inc | 39,101 | $8.1M | 2% |
| 14 | CZNCCitizens & Northern Corp | 359,853 | $8.0M | 2% |
| 15 | CZFSCitizens Financial Services Inc | 117,063 | $7.2M | 1.8% |
| 16 | JPMJPMorgan Chase & Co | 20,197 | $5.9M | 1.5% |
| 17 | METAMeta Platforms Inc | 9,981 | $5.7M | 1.4% |
| 18 | AVDEAvantis International Equity ETF | 54,809 | $4.6M | 1.2% |
| 19 | EXMOCExxon Mobil Corp | 26,103 | $4.4M | 1.1% |
| 20 | COSTCostco Wholesale Corp (New) | 4,302 | $4.3M | 1.1% |
| 21 | MAMastercard Inc Class A | 8,189 | $4.1M | 1% |
| 22 | MBBiShares Barclays MBS Bond Fund ETF | 36,655 | $3.5M | 0.9% |
| 23 | CATCaterpillar Inc | 4,487 | $3.2M | 0.8% |
| 24 | ADIAnalog Devices Inc | 9,817 | $3.1M | 0.8% |
| 25 | AMDAdvanced Micro Devices Inc | 15,313 | $3.1M | 0.8% |
| 26 | TJXTjx Companies (New) | 16,962 | $2.7M | 0.7% |
| 27 | PGProcter & Gamble Co | 18,707 | $2.7M | 0.7% |
| 28 | GLWCorning Inc | 19,658 | $2.7M | 0.7% |
| 29 | RTXRTX Corporation | 13,777 | $2.7M | 0.7% |
| 30 | CSCOCisco Systems Inc | 32,671 | $2.5M | 0.6% |
| 31 | CORCencora, Inc. | 7,051 | $2.2M | 0.6% |
| 32 | GSKGSK PLC ADR | 40,036 | $2.2M | 0.6% |
| 33 | AVGOBroadcom Inc Common | 6,886 | $2.1M | 0.5% |
| 34 | Eaton Corp | 5,937 | $2.1M | 0.5% |
| 35 | ORCLOracle Corp | 14,371 | $2.1M | 0.5% |
| 36 | SCHWCharles Schwab Corp | 21,373 | $2.0M | 0.5% |
| 37 | JNJJohnson & Johnson | 8,053 | $2.0M | 0.5% |
| 38 | CVSCVS Health Corporation | 27,288 | $2.0M | 0.5% |
| 39 | Medtronic PLC | 22,600 | $2.0M | 0.5% |
| 40 | HDHome Depot Inc | 5,779 | $1.9M | 0.5% |
| 41 | CCitigroup Inc Common New | 16,626 | $1.9M | 0.5% |
| 42 | SPYState Street SPDR S&P 500 ETF Trust | 2,877 | $1.9M | 0.5% |
| 43 | BABoeing Co | 9,252 | $1.8M | 0.5% |
| 44 | GDGeneral Dynamics Corp | 5,272 | $1.8M | 0.5% |
| 45 | SLBSLB Limited | 34,991 | $1.8M | 0.4% |
| 46 | EMREmerson Electric Co | 13,718 | $1.8M | 0.4% |
| 47 | KOCoca Cola Co | 23,347 | $1.8M | 0.4% |
| 48 | BXBlackstone Inc | 15,377 | $1.8M | 0.4% |
| 49 | CRMSalesforce, Inc. | 8,947 | $1.7M | 0.4% |
| 50 | NEENextera Energy Inc | 17,231 | $1.6M | 0.4% |
| 51 | CVXChevron Corp | 7,553 | $1.6M | 0.4% |
| 52 | AVUSAvantis US Equity ETF | 13,829 | $1.5M | 0.4% |
| 53 | AMTAmerican Tower REIT Inc | 8,773 | $1.5M | 0.4% |
| 54 | FCXFreeport-McMoran, Inc. | 25,755 | $1.5M | 0.4% |
| 55 | KKRKKR & Co Inc | 16,365 | $1.5M | 0.4% |
| 56 | KLACKLA Corporation | 952 | $1.4M | 0.3% |
| 57 | MDLZMondelez Intl Inc Class A | 24,013 | $1.4M | 0.3% |
| 58 | TPRTapestry Inc Common | 9,795 | $1.4M | 0.3% |
| 59 | PFEPfizer Inc | 48,483 | $1.4M | 0.3% |
| 60 | OVVOvintiv Inc | 22,649 | $1.3M | 0.3% |
| 61 | BIIBBiogen Idec Inc | 7,137 | $1.3M | 0.3% |
| 62 | ICEIntercontinental Exchange Inc Common | 8,181 | $1.3M | 0.3% |
| 63 | PYPLPaypal Holdings, Inc. | 27,918 | $1.3M | 0.3% |
| 64 | DISDisney Walt Co | 12,906 | $1.2M | 0.3% |
| 65 | UNPUnion Pacific Corp | 5,049 | $1.2M | 0.3% |
| 66 | BNDXVanguard Total International Bond Index Fund ETF | 25,151 | $1.2M | 0.3% |
| 67 | PANWPalo Alto Networks Inc Common | 7,495 | $1.2M | 0.3% |
| 68 | DIAState Street SPDR Dow Jones Industrial Average ETF Trust | 2,543 | $1.2M | 0.3% |
| 69 | BMYBristol Myers Squibb Co | 18,997 | $1.2M | 0.3% |
| 70 | INTUIntuit | 2,621 | $1.1M | 0.3% |
| 71 | Accenture PLC | 5,677 | $1.1M | 0.3% |
| 72 | ZBHZimmer Biomet Holdings, Inc. | 12,228 | $1.1M | 0.3% |
| 73 | MRSHMarsh | 6,340 | $1.1M | 0.3% |
| 74 | YUMYUM Brands Inc | 6,926 | $1.1M | 0.3% |
| 75 | NFLXNetflix Inc Corp | 11,003 | $1.1M | 0.3% |
| 76 | ADBEAdobe Systems Inc | 4,059 | $986,662 | 0.2% |
| 77 | BDXBecton, Dickinson & Co. | 6,153 | $967,436 | 0.2% |
| 78 | MCDMcDonalds Corp | 3,062 | $951,639 | 0.2% |
| 79 | NKENike, Inc. Class B | 17,058 | $901,004 | 0.2% |
| 80 | PCARPaccar Inc | 7,579 | $875,375 | 0.2% |
| 81 | HYGiShares iBoxx $ High Yield Corp Bond ETF | 10,976 | $873,251 | 0.2% |
| 82 | SPTLState Street SPDR Portfolio Long Term Treasury ETF | 33,014 | $868,268 | 0.2% |
| 83 | IWFiShares Trust Russell 1000 Growth ETF | 2,032 | $866,445 | 0.2% |
| 84 | AVEMAvantis Emerging Markets Equity ETF | 10,143 | $817,323 | 0.2% |
| 85 | SPTSState Street SPDR Portfolio Short Term Treasury ETF | 27,959 | $815,844 | 0.2% |
| 86 | VZVerizon Communications | 15,440 | $775,088 | 0.2% |
| 87 | MTBM & T Bank Corp | 3,642 | $752,874 | 0.2% |
| 88 | BRK/BBerkshire Hathaway Inc Class B New | 1,449 | $694,361 | 0.2% |
| 89 | IBMInternational Business Machines | 2,783 | $674,571 | 0.2% |
| 90 | IWDiShares Russell 1000 Value ETF | 3,029 | $647,206 | 0.2% |
| 91 | SUBiShares Short-Term National Muni Bond ETF | 5,929 | $631,439 | 0.2% |
| 92 | BBWIBath & Body Works | 33,341 | $622,476 | 0.2% |
| 93 | VIGVanguard Dividend Appreciation Index ETF | 2,866 | $616,362 | 0.2% |
| 94 | DFICDFA Dimensional International Core Equity 2 ETF | 17,326 | $615,593 | 0.2% |
| 95 | TIPiShares Barclays TIPS Bond Fund | 5,540 | $611,394 | 0.2% |
| 96 | ITWIllinois Tool Works Inc | 1,914 | $498,195 | 0.1% |
| 97 | DEDeere & Co | 880 | $495,704 | 0.1% |
| 98 | TAT&T Inc | 17,037 | $493,903 | 0.1% |
| 99 | DFEMDFA Dimensional Emerging Markets Core Equity 2 ETF | 12,833 | $443,380 | 0.1% |
| 100 | ROPRoper Industries Inc New | 1,115 | $394,554 | 0.1% |
Source: SEC Form 13F-HR filed by CITIZENS & NORTHERN CORP (CIK 810958), reporting period 2026-03-31. Values are quarter-end filed marks. Research, not investment advice.