Dividend reinvestment boosts CITIZENS & NORTHERN (NASDAQ: CZNC) director holdings

Rhea-AI Filing Summary

CITIZENS & NORTHERN CORP director Aaron K. Singer reported an indirect change in ownership of Common Stock. On February 13, 2026, 69 shares were acquired through reinvestment of a cash dividend under a dividend reinvestment plan in a spouse's IRA at $23.44 per share. After this transaction, the spouse's IRA held 5,799 shares indirectly attributable to Singer. A separate line in the filing shows Singer directly held 9,161 shares of Common Stock following the reported date.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider SINGER AARON K

Role Director

Type	Security	Shares	Price	Value
Other	Common Stock	69	$23.44	$2K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 5,799 shares (Indirect, Spouse's IRA); Common Stock — 9,161 shares (Direct)

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^*

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	69	A	$23.44	5,799	I	Spouse's IRA
Common Stock								9,161	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	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 insider transaction did CZNC director Aaron K. Singer report?

Aaron K. Singer reported an indirect acquisition of 69 shares of CITIZENS & NORTHERN CORP common stock. The shares were obtained through dividend reinvestment in a spouse's IRA, rather than an open-market purchase, at a price of $23.44 per share.

How were the new CZNC shares acquired in Aaron K. Singer’s Form 4?

The new CZNC shares were acquired through automatic reinvestment of a cash dividend in a dividend reinvestment plan. The 69 shares went into a spouse's IRA, reflecting indirect ownership instead of a direct market transaction by the director.

What is Aaron K. Singer’s indirect CZNC ownership after this transaction?

Following the dividend reinvestment, the spouse's IRA held 5,799 CZNC common shares indirectly attributable to Aaron K. Singer. This figure reflects the updated balance in that indirect account as of the transaction date in the Form 4 filing.

What is Aaron K. Singer’s direct CZNC common stock holding?

The Form 4 shows Aaron K. Singer directly owning 9,161 shares of CITIZENS & NORTHERN CORP common stock after the reported date. This direct holding is separate from the 5,799 shares held indirectly through the spouse's IRA account.

Does Aaron K. Singer’s Form 4 show CZNC share purchases or sales?

The Form 4 does not report open-market purchases or sales of CZNC shares. Instead, it shows an indirect acquisition of 69 shares through dividend reinvestment in a spouse's IRA, classified under an “other” transaction code rather than a standard buy or sell.