CZNC director awarded 756 restricted shares at $19.29 per Form 4

Citizens & Northern Corp (CZNC) reported an insider equity grant on a Form 4.

Accepted by SEC EDGAR 11/21/2025 - 04:10 PM EST Learn about SEC filing dates

Rhea-AI Filing Summary

Citizens & Northern Corp (CZNC) reported an insider equity grant on a Form 4. A director received an award of 756 shares of common stock on 11/21/2025 as noted in the explanation of responses, which states this was an award of restricted stock. The transaction was coded as an acquisition at a price of $19.29 per share.

After this transaction, the reporting person beneficially owned 26,662 shares of common stock directly. They also reported indirect holdings of 70,360 shares by a corporation, 6,142 shares through a beneficiary IRA, and 5,587 shares as trustee, showing a mix of direct and indirect ownership in Citizens & Northern Corp.

Insider Trade Summary

Grant/Award: 756 shares

Grant/Award 1 txn

Insider Trate Christian C

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	756	$19.29	$15K
Holding	Common Stock	--	--	--
Holding	Common Stock	--	--	--
Holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 26,662 shares (Direct); Common Stock — 70,360 shares (Indirect, By Corporation); Common Stock — 6,142 shares (Indirect, By Beneficiary IRA); Common Stock — 5,587 shares (Indirect, By Trustee)

Holdings Before and After: Common Stock, 25,906 to 26,662 shares (Direct)

Footnotes (1)

1. F1. Award of Restricted Stock.

FAQ

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

What insider transaction did CZNC report in this Form 4?

CZNC reported that a director acquired 756 shares of common stock on 11/21/2025, described as an award of restricted stock.

At what price were the CZNC shares acquired in the reported transaction?

The 756 shares of CZNC common stock were acquired at a price of $19.29 per share.

How many CZNC shares does the insider own directly after this transaction?

Following the reported transaction, the insider directly owned 26,662 shares of CZNC common stock.

What indirect CZNC shareholdings does the insider report?

The insider reports indirect ownership of 70,360 shares by a corporation, 6,142 shares through a beneficiary IRA, and 5,587 shares as trustee.

What is the nature of the CZNC shares acquired in this Form 4?

The filing explains that the transaction represents an award of restricted stock in CZNC common shares.

What is the relationship of the reporting person to Citizens & Northern Corp (CZNC)?

The reporting person is identified as a director of Citizens & Northern Corp.

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

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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^*

Trate Christian C

(Last) (First) (Middle)

311 MEXICO ROAD

(Street)

MILTON PA 17847

(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)
11/21/2025

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	11/21/2025		A(1)		756	A	$19.29	26,662	D
Common Stock								70,360	I	By Corporation
Common Stock								6,142	I	By Beneficiary IRA
Common Stock								5,587	I	By Trustee

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. Award of Restricted Stock.

	/s/ Melinda S. Kilburn for Christian Trate, 9/25/25, Attorney-in-Fact	11/21/2025
	** 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 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.