Dividend reinvestment adds CZNC shares for director Helen S. Santiago

Rhea-AI Filing Summary

CITIZENS & NORTHERN CORP director Helen S. Santiago reported small routine share changes through a dividend reinvestment plan. On February 13, 2026, a total of 103 shares of common stock were credited at $23.59 per share, including both direct holdings and shares held as custodian.

Insider Trade Summary

3 transactions reported

Mixed 3 txns

Insider Santiago Helen S

Role Director

Type	Security	Shares	Price	Value
Other	Common Stock	101	$23.59	$2K
Other	Common Stock	1	$23.59	$23.59
Other	Common Stock	1	$23.59	$23.59

Holdings After Transaction: Common Stock — 9,867 shares (Direct); Common Stock — 122 shares (Indirect, As Custodian)

Footnotes (1)

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Form 4 Insider Transactions: What Each Field Means →

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^*

Santiago Helen S

(Last) (First) (Middle)

263 BRIDGE STREET HILL RD

(Street)

TOWANDA PA 18848

(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	101	A	$23.59	9,867	D
Common Stock	02/13/2026		J(1)	V	1	A	$23.59	122	I	As Custodian
Common Stock	02/13/2026		J(1)	V	1	A	$23.59	121	I	As Custodian

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 Helen S Santiago, 3/20/25, Attorney-in-Fact	02/27/2026
	** 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 did Helen S. Santiago report in the latest CZNC Form 4?

Helen S. Santiago reported small changes in CITIZENS & NORTHERN CORP common stock holdings. These changes reflect shares acquired through reinvestment of a cash dividend under a dividend reinvestment plan, affecting both directly held shares and shares held as custodian.

How many CZNC shares were involved in Helen S. Santiago’s dividend reinvestment?

The filing shows three transactions totaling 103 CZNC common shares. One direct position received 101 shares, and two indirect custodial positions each reflected a 1-share adjustment, all at a reference price of $23.59 per share under the dividend reinvestment plan.

What price per share was used for the CZNC dividend reinvestment?

Each transaction in the Form 4 references a price of $23.59 per CZNC common share. This price is used to report the value of shares acquired through reinvestment of the cash dividend under the company’s dividend reinvestment plan.

How did Helen S. Santiago’s direct CZNC holdings change after the transactions?

After the dividend reinvestment, Helen S. Santiago directly held 9,867 shares of CITIZENS & NORTHERN CORP common stock. The Form 4 indicates that 101 shares were added to the direct position through the reinvestment of a cash dividend.

What does “As Custodian” mean in Helen S. Santiago’s CZNC Form 4?

“As Custodian” indicates that some CZNC shares are held indirectly by Helen S. Santiago in a custodial capacity. The Form 4 reports 1-share adjustments in two such indirect positions, both tied to the dividend reinvestment plan’s cash dividend reinvestment.

Was the CZNC Form 4 a buy or sell transaction for Helen S. Santiago?

The Form 4 does not report open market buys or sells. Instead, it records “other” transactions, specifically shares acquired through reinvestment of a cash dividend under a dividend reinvestment plan, which automatically credits additional common shares.