[Form 3] CITIZENS & NORTHERN CORP Initial Statement of Beneficial Ownership

Rhea-AI Filing Summary

CITIZENS & NORTHERN CORP (CZNC) Form 3: Christian C. Trate filed an initial Section 16 Form 3 reporting his relationship to the issuer as a Director. The event date is 10/01/2025. The filing states no securities are beneficially owned by the reporting person. The form was signed by Amy T. Garraty as attorney-in-fact on 9/25/2025.

Positive

• Initial Section 16 disclosure completed for a director, indicating compliance with reporting rules
• Explicit statement of no beneficial ownership removes ambiguity about insider holdings at filing date

Negative

• None.

Insights

Corporate Governance Expert

TL;DR Director filed initial Form 3 and reported no beneficial ownership.

The filing confirms a new or newly-reportable relationship between Christian C. Trate and Citizens & Northern Corp as a director without any reported equity holdings. From a governance standpoint, the disclosure fulfills Section 16 initial reporting requirements and signals transparency about potential insider holdings. The absence of ownership means there is no immediate insider alignment via equity disclosed in this form.

Securities Compliance Analyst

TL;DR Form 3 submitted showing director status and explicitly stating zero beneficial ownership.

The document is a routine compliance filing that documents the reporting person's status as a director and explicitly states "No securities are beneficially owned." It includes an attorney-in-fact signature. There are no derivative or non-derivative holdings reported, so there are no reportable transactions or holdings to analyze for insider trading or ownership concentration.

SEC Form 3

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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1. Name and Address of Reporting Person^*

Trate Christian C

(Last) (First) (Middle)

311 MEXICO ROAD

(Street)

MILTON PA 17847

(City) (State) (Zip)

2. Date of Event Requiring Statement (Month/Day/Year)
10/01/2025

3. Issuer Name and Ticker or Trading Symbol
CITIZENS & NORTHERN CORP [ CZNC ]

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

5. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

No securities are beneficially owned.

	/s/ Amy T. Garraty for Christian C. Trate, 9/25/2025, Attorney-in-Fact	10/01/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 5 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What did Christian C. Trate report on his Form 3 for CZNC?

The Form 3 reports Christian C. Trate's relationship to Citizens & Northern Corp as a Director and states no securities are beneficially owned.

What is the event date listed on the CZNC Form 3?

The date of the event requiring the statement is 10/01/2025.

Was the Form 3 signed directly by the reporting person?

The signature block shows the form was signed by Amy T. Garraty as attorney-in-fact for Christian C. Trate on 9/25/2025.

Does the Form 3 list any securities or derivatives owned by the reporting person?

No. The filing explicitly states: No securities are beneficially owned and provides no entries in the non-derivative or derivative tables.

What issuer and ticker are referenced in the Form 3?

The issuer is CITIZENS & NORTHERN CORP with ticker CZNC.