Citizens & Northern director acquires 160 shares

CITIZENS & NORTHERN CORP (CZNC) director Aaron K. Singer reported two acquisitions of common stock on August 14, 2026, both arising from the reinvestment of cash dividends under a dividend reinvestment plan.

Rhea-AI Filing Summary

CITIZENS & NORTHERN CORP (CZNC) director Aaron K. Singer reported two acquisitions of common stock on August 14, 2026, both arising from the reinvestment of cash dividends under a dividend reinvestment plan. One transaction added 64 shares at $25.96 per share to shares held through a Spouse's IRA, bringing that indirect position to 5,940 shares. The other added 96 shares at $26.08 per share to his directly held account, increasing his direct ownership to 10,545 shares.

Insider Trade Summary

Other: 160 shares

Other 2 txns

Insider SINGER AARON K

Role Director

Type	Security	Shares	Price	Value
Other	Common Stock F1	64	$25.96	$2K
Other	Common Stock F1	96	$26.08	$3K

Holdings After Transaction: Common Stock — 5,940 shares (Indirect, Spouse's IRA); Common Stock — 10,545 shares (Direct)

Footnotes (1)

1. F1. Shares acquired through reinvestment of cash dividend under a dividend reinvestment plan.

Key Figures

Shares acquired (Spouse's IRA): 64 shares Price per share (Spouse's IRA acquisition): $25.96 per share Indirect holdings after transaction (Spouse's IRA): 5,940 shares +4 more

7 metrics

Shares acquired (Spouse's IRA) 64 shares Common Stock acquired indirectly on August 14, 2026 via dividend reinvestment plan

Price per share (Spouse's IRA acquisition) $25.96 per share Dividend reinvestment acquisition of 64 Common Stock shares

Indirect holdings after transaction (Spouse's IRA) 5,940 shares Total CITIZENS & NORTHERN CORP common shares held indirectly after August 14, 2026

Shares acquired (direct) 96 shares Common Stock acquired directly on August 14, 2026 via dividend reinvestment plan

Price per share (direct acquisition) $26.08 per share Dividend reinvestment acquisition of 96 Common Stock shares

Direct holdings after transaction 10,545 shares Total CITIZENS & NORTHERN CORP common shares held directly after August 14, 2026

Total restructuring shares 160 shares Total shares involved in code J transactions identified as restructuring/dividend reinvestment

Key Terms

dividend reinvestment plan, Spouse's IRA, indirect ownership

3 terms

dividend reinvestment plan financial

"Shares acquired through reinvestment of cash dividend under a dividend reinvestment plan"

A dividend reinvestment plan lets shareholders automatically use cash dividends to buy more shares of the same company instead of receiving the money. It matters to investors because it turns regular payouts into a steady way to grow ownership and take advantage of compound returns—like having your savings automatically buy additional slices of a pie over time—while often reducing transaction costs and smoothing purchase timing.

Spouse's IRA financial

"nature_of_ownership: Spouse's IRA for indirect holdings"

indirect ownership financial

"ownership_type: indirect with nature of ownership Spouse's IRA"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What did CZNC director Aaron K. Singer report in this Form 4?

He reported two acquisitions of CITIZENS & NORTHERN CORP common stock totaling 160 shares on August 14, 2026, both resulting from dividend reinvestment plan activity, increasing both his direct and indirect holdings.

How many CZNC shares did Aaron K. Singer acquire through his spouse's IRA?

He acquired 64 shares of CITIZENS & NORTHERN CORP common stock for a Spouse's IRA at $25.96 per share, resulting in 5,940 shares held indirectly after the transaction.

What is Aaron K. Singer’s direct ownership in CZNC after these transactions?

After the August 14, 2026 dividend reinvestment transaction, Aaron K. Singer directly holds 10,545 shares of CITIZENS & NORTHERN CORP common stock, following the acquisition of 96 shares at $26.08 per share.

Were the CZNC share acquisitions part of a 10b5-1 trading plan?

The Form 4 indicates the Rule 10b5-1 checkbox as not affirmed (false), and the footnote states the shares were acquired through dividend reinvestment, not through a pre-arranged 10b5-1 trading plan.

What is the total number of CZNC shares involved in the dividend reinvestment?

The dividend reinvestment plan transactions involved 160 shares of CITIZENS & NORTHERN CORP common stock in total: 64 shares to a Spouse's IRA and 96 shares to Singer’s direct holdings.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 08/26/2026 - 08:20 AM EDT Accepted by SEC EDGAR 08/26/2026 - 08:19 AM EDT Learn about SEC filing dates

SEC Form 4

FORM 4

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

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

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

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

SINGER AARON K

(Last) (First) (Middle)

77 GREENBRIAR DRIVE

(Street)

WELLSBORO PENNSYLVANIA 16901

(City) (State) (Zip)

UNITED STATES

(Country)

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

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

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

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
08/14/2026

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

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

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

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	08/14/2026		J(1)	V	64	A	$25.96	5,940	I	Spouse's IRA
Common Stock	08/14/2026		J(1)	V	96	A	$26.08	10,545	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Shares acquired through reinvestment of cash dividend under a dividend reinvestment plan.

	/s/ Melinda S Kilburn for Aaron K Singer, 3/20/25, Attorney-in-Fact	08/26/2026
	** 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 4 (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.
* Form 4: SEC 1474 (03-26)