Dividend reinvestment boosts Citizens & Northern (CZNC) director Aaron Singer’s holdings

Rhea-AI Filing Summary

CITIZENS & NORTHERN CORP director Aaron K. Singer reported routine share activity. On February 13, 2026, he had 88 shares of common stock acquired through reinvestment of a cash dividend under a dividend reinvestment plan, bringing his directly held total to 9,249 shares. The filing also notes 5,799 shares of common stock held indirectly through his spouse's IRA.

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 PA 16901

(City) (State) (Zip)

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)

3. Date of Earliest Transaction (Month/Day/Year)
02/13/2026

4. 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 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	02/13/2026		J(1)	V	88	A	$23.6329	9,249	D
Common Stock								5,799	I	Spouse\'s IRA

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	03/05/2026
	** 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.

FAQ

What insider transaction did CZNC director Aaron K. Singer report?

Director Aaron K. Singer reported 88 shares of Citizens & Northern Corp common stock acquired through cash dividend reinvestment. This routine activity under a dividend reinvestment plan increased his directly held position to 9,249 shares as of the reported date.

How many CZNC shares does Aaron K. Singer hold directly after this Form 4?

After the reported dividend reinvestment, Aaron K. Singer directly holds 9,249 shares of Citizens & Northern Corp common stock. The increase comes from 88 shares acquired through reinvestment of a cash dividend under a dividend reinvestment plan.

What does the dividend reinvestment in Citizens & Northern Corp (CZNC) involve?

The filing states that 88 Citizens & Northern Corp shares were acquired by reinvesting a cash dividend under a dividend reinvestment plan. Instead of receiving cash, the dividend amount was used to purchase additional common stock for the director’s account.

What indirect CZNC holdings are reported for Aaron K. Singer on this Form 4?

The Form 4 notes 5,799 shares of Citizens & Northern Corp common stock held indirectly through his spouse’s IRA. This indirect ownership is identified in the filing as “Spouse’s IRA,” separate from his 9,249 directly held shares.

Does the CZNC Form 4 show any open-market buys or sells by Aaron K. Singer?

The Form 4 does not show any open-market purchases or sales. It reports 88 shares acquired through dividend reinvestment and lists existing indirect ownership of 5,799 shares in his spouse’s IRA, with no explicit buy or sell transactions disclosed.