Citizens & Northern (CZNC) director awarded 1,080 restricted shares

Rhea-AI Filing Summary

CITIZENS & NORTHERN CORP director Aaron K. Singer received an award of 1,080 shares of restricted Common Stock. The grant was reported at a value of $23.15 per share and is categorized as a grant, award, or other acquisition, not an open-market purchase or sale.

After this award, Singer directly holds 10,329 shares of Common Stock. In addition, 5,799 shares are held indirectly through his spouse's IRA, reflecting a separate indirect ownership position reported in the filing.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider SINGER AARON K

Role null

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	1,080	$23.15	$25K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 10,329 shares (Direct, null); Common Stock — 5,799 shares (Indirect, Spouse's IRA)

Footnotes (1)

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Key Figures

Restricted stock award: 1,080 shares Grant reference price: $23.15 per share Direct holdings after award: 10,329 shares +1 more

4 metrics

Restricted stock award 1,080 shares Grant of Common Stock classified as grant/award acquisition

Grant reference price $23.15 per share Value used for restricted stock award

Direct holdings after award 10,329 shares Common Stock held directly by Aaron K. Singer

Indirect holdings (spouse’s IRA) 5,799 shares Common Stock held indirectly through spouse's IRA

Key Terms

Restricted Stock, Spouse's IRA, grant/award acquisition

3 terms

Restricted Stock financial

"Award of Restricted Stock."

Shares granted to an individual that carry limits on transfer or sale until certain conditions are met, such as staying with the company for a set time or hitting performance targets. Think of them as a locked gift that gradually opens; for investors they matter because they affect how many shares may enter the market later, signal management incentives and potential dilution, and reveal confidence in future company performance.

Spouse's IRA financial

"nature_of_ownership": "Spouse's IRA""

grant/award acquisition financial

"transaction_action": "grant/award acquisition""

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^*

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)
04/23/2026

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	04/23/2026		A(1)		1,080	A	$23.15	10,329	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. Award of Restricted Stock.

	/s/ Melinda S. Kilburn for Aaron K. Singer, 3/20/25, Attorney-in-Fact	04/24/2026
	** 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)

FAQ

What insider transaction did CITIZENS & NORTHERN CORP (CZNC) report for Aaron K. Singer?

Aaron K. Singer received an award of 1,080 shares of restricted Common Stock. This is a compensation-related grant rather than an open-market trade, reflecting additional equity-based incentives for the director.

At what price was Aaron K. Singer’s restricted stock award in CZNC valued?

The restricted stock award for Aaron K. Singer was valued at $23.15 per share. This value reflects the reference price used in the Form 4 and helps indicate the size of the equity compensation grant.

How many CITIZENS & NORTHERN CORP shares does Aaron K. Singer hold after this Form 4?

After the reported award, Aaron K. Singer directly holds 10,329 shares of Common Stock. The filing also shows 5,799 additional shares held indirectly through his spouse's IRA, representing a separate reported ownership line.

Does the Aaron K. Singer Form 4 for CZNC show any open-market buying or selling?

The Form 4 does not show open-market buying or selling. It reports a grant of 1,080 restricted shares classified as a grant, award, or other acquisition, plus an indirect holding entry for shares in his spouse's IRA.

What does the footnote ‘Award of Restricted Stock’ mean in the CZNC Form 4?

The footnote “Award of Restricted Stock” indicates the 1,080-share transaction is a restricted stock grant. Such awards are typically part of director or executive compensation, rather than a voluntary market trade in the company’s shares.