[Form 4] CITIZENS & NORTHERN CORP Insider Trading Activity

Citizens & Northern Corp director Frank G. Pellegrino bought additional company stock.

Rhea-AI Filing Summary

Citizens & Northern Corp director Frank G. Pellegrino bought additional company stock. On this transaction date, he completed an open-market purchase of 185 shares of Common Stock at a price of $21.955 per share. Following this trade, his direct holdings increased to 48,362 shares of Citizens & Northern Corp common stock.

The purchase was executed as part of a written trading plan that became effective on May 1, 2025, indicating the transaction was pre-arranged rather than a discretionary same-day decision.

Insider Trade Summary

Net Buyer: 185 shares

Net Buy 1 txn

Insider Pellegrino Frank G

Role Director

Bought 185 shs ($4K)

Type	Security	Shares	Price	Value
Purchase	Common Stock	185	$21.955	$4K

Holdings After Transaction: Common Stock — 48,362 shares (Direct)

Footnotes (1)

1. F1. This transaction was made pursuant to a written plan that became effective 5/1/25.

FAQ

What insider transaction did CZNC director Frank G. Pellegrino report?

Director Frank G. Pellegrino reported an open-market purchase of 185 shares of Citizens & Northern Corp Common Stock. The shares were bought at a price of $21.955 per share, increasing his directly owned stake in the company.

How many CZNC shares does Frank G. Pellegrino own after this purchase?

After this transaction, Frank G. Pellegrino directly owns 48,362 shares of Citizens & Northern Corp Common Stock. This total reflects his updated direct holdings immediately following the reported open-market purchase of 185 additional shares.

At what price did the CZNC director buy the new shares?

Frank G. Pellegrino purchased the 185 Citizens & Northern Corp shares at $21.955 per share. This reported transaction price represents the per‑share consideration paid in the open-market purchase disclosed in the Form 4 filing.

Was the CZNC insider trade made under a pre-arranged trading plan?

Yes. The footnote states the transaction was made pursuant to a written plan that became effective on May 1, 2025. This indicates the purchase was pre-arranged rather than an entirely discretionary transaction on the trade date.

Is the CZNC director’s ownership classified as direct or indirect after this trade?

The Form 4 characterizes Frank G. Pellegrino’s ownership as direct, using the code “D.” This means the 48,362 shares reported following the transaction are held directly in his name, with no separate intermediary entity indicated.

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Accepted by SEC EDGAR 03/09/2026 - 12:22 PM Learn about SEC filing dates

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).

X

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^*

Pellegrino Frank G

(Last) (First) (Middle)

2050 POCO FARM ROAD

(Street)

WILLIAMSPORT PA 17701

(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)
03/06/2026

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	03/06/2026		P(1)		185	A	$21.955	48,362	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. This transaction was made pursuant to a written plan that became effective 5/1/25.

	/s/ Melinda S Kilburn for Frank Pellegrino, 3/20/25, Attorney-in-Fact	03/09/2026
	** 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.