CITIZENS & NORTHERN (NASDAQ: CZNC) director reports small 229-share stock sale

Rhea-AI Filing Summary

CITIZENS & NORTHERN CORP director Christian C. Trate reported an insider sale of common stock. An entity for which he serves as trustee sold 229 shares in an open-market transaction at $21.10 per share, leaving 5,358 shares in that trust account.

He also reports 27,742 shares held directly, 6,143 shares held through a beneficiary IRA, and 70,360 shares held by a corporation, showing his overall stake after the reported activity.

Insider Trade Summary

Net Seller: 229 shares ($4,832)

Net Sell 4 txns

Insider Trate Christian C

Role null

Sold 229 shs ($5K)

Type	Security	Shares	Price	Value
Sale	Common Stock	229	$21.10	$5K
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 5,358 shares (Indirect, By Trustee); Common Stock — 27,742 shares (Direct, null)

Footnotes (1)

Key Figures

Shares sold: 229 shares Sale price: $21.10 per share Trustee holdings after sale: 5,358 shares +3 more

6 metrics

Shares sold 229 shares Open-market sale by trustee account on 2026-05-28

Sale price $21.10 per share Price for 229-share open-market sale

Trustee holdings after sale 5,358 shares Indirect holdings by trustee account following sale

Direct holdings 27,742 shares Directly held CZNC common stock after reported activity

Beneficiary IRA holdings 6,143 shares Indirect holdings via beneficiary IRA

Corporate indirect holdings 70,360 shares Indirect holdings reported as held by a corporation

Key Terms

open-market sale, indirect holdings, By Beneficiary IRA, By Trustee, +1 more

5 terms

open-market sale financial

"sold 229 shares in an open-market transaction at $21.10 per share"

An open-market sale is when a shareholder sells existing shares directly on a public exchange to any willing buyer, rather than through a private deal. Think of it like putting goods on a busy market stall where price is set by supply and demand; for investors it matters because such sales increase available supply, can put short-term downward pressure on the stock price, and signal changes in liquidity or investor confidence.

indirect holdings financial

"He also reports 27,742 shares held directly, 6,143 shares held through a beneficiary IRA, and 70,360 shares held by a corporation"

By Beneficiary IRA financial

"nature_of_ownership": "By Beneficiary IRA""

By Trustee financial

"nature_of_ownership": "By Trustee""

By Corporation financial

"nature_of_ownership": "By Corporation""

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^*

Trate Christian C

(Last) (First) (Middle)

311 MEXICO ROAD

(Street)

MILTON PENNSYLVANIA 17847

(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)
05/28/2026

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	05/28/2026		S		229	D	$21.1	5,358	I	By Trustee
Common Stock								70,360	I	By Corporation
Common Stock								6,143	I	By Beneficiary IRA
Common Stock								27,742	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:

	/s/ Melinda S. Kilburn for Christian Trate, 9/25/25, Attorney-in-Fact	05/28/2026
	** 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 CZNC director Christian C. Trate report?

Christian C. Trate reported an open-market sale of 229 shares of CITIZENS & NORTHERN CORP common stock. The sale was executed at $21.10 per share through an account held indirectly by him as trustee, reflecting a small change in his reported indirect holdings.

At what price were the CZNC shares sold in the reported insider trade?

The reported CZNC insider sale was executed at $21.10 per share. This price applies to 229 common shares sold in an open-market transaction from an indirectly held trustee account, as disclosed in the Form 4 filing for Christian C. Trate.

How many CZNC shares does Christian C. Trate hold directly after the filing?

After the reported transactions, Christian C. Trate holds 27,742 CZNC common shares directly. This direct position is separate from his indirect holdings through a beneficiary IRA, a corporation, and a trustee account, which are itemized separately in the Form 4.

What indirect CZNC holdings does Christian C. Trate report on the Form 4?

The Form 4 lists three categories of indirect CZNC holdings for Christian C. Trate. These include 6,143 shares via a beneficiary IRA, 70,360 shares held by a corporation, and 5,358 shares held by him as trustee following the 229-share open-market sale.

Does the CZNC Form 4 show multiple transactions or mainly holdings updates?

The CZNC Form 4 shows one open-market sale alongside several holding entries. It reports a 229-share sale at $21.10 per share and then updates direct and indirect positions, including IRA, corporate, and trustee accounts, to show Trate’s total reported stake afterward.