Citizens & Northern (NASDAQ: CZNC) director adds 107 shares

Rhea-AI Filing Summary

Citizens & Northern Corp director Robert G. Loughery reported an automatic share increase through a dividend reinvestment plan. On the reported date, 107 shares of common stock were credited at $23.59 per share, bringing his direct holdings to 10,916 shares. The filing also lists indirect holdings of 2 shares held by his spouse and 375 shares held by a child.

Insider Trade Summary

3 transactions reported

Mixed 3 txns

Insider Loughery Robert G

Role Director

Type	Security	Shares	Price	Value
Other	Common Stock	107	$23.59	$3K
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 10,916 shares (Direct); Common Stock — 2 shares (Indirect, By Spouse)

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^*

Loughery Robert G

(Last) (First) (Middle)

1128 SLOTTER ROAD

(Street)

PERKASIE PA 18944

(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	107	A	$23.59	10,916	D
Common Stock								2	I	By Spouse
Common Stock								375	I	By Child

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 Robert G Loughery, 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 Citizens & Northern (CZNC) report for Robert G. Loughery?

Robert G. Loughery reported an automatic share increase through a dividend reinvestment plan. He was credited with 107 shares of Citizens & Northern common stock at $23.59 per share, reflecting reinvested cash dividends rather than an open-market purchase or sale.

How many Citizens & Northern (CZNC) shares does Robert G. Loughery hold after this filing?

After the reported transaction, Loughery directly holds 10,916 shares of Citizens & Northern common stock. The filing also shows indirect ownership of 2 shares held by his spouse and 375 shares held by a child, reported as separate indirect positions.

Was the Citizens & Northern (CZNC) insider activity a buy or sell transaction?

The activity was classified as an “other” transaction rather than a traditional buy or sell. The 107 additional shares were acquired through reinvestment of a cash dividend under a dividend reinvestment plan, so no open-market purchase or sale was reported.

What price per share is associated with Robert G. Loughery’s new Citizens & Northern (CZNC) shares?

The 107 newly credited shares are reported at $23.59 per share of Citizens & Northern common stock. This figure comes from the dividend reinvestment plan entry, which applies reinvested cash dividends to purchase additional shares automatically.

How are Robert G. Loughery’s indirect Citizens & Northern (CZNC) holdings reported?

The filing shows two categories of indirect ownership: 2 shares held “By Spouse” and 375 shares held “By Child.” These positions are reported separately from Loughery’s 10,916 directly held shares of Citizens & Northern common stock as of the transaction date.