[Form 4] CITIZENS & NORTHERN CORP Insider Trading Activity

Rhea-AI Filing Summary

Citizens & Northern Corp (CZNC) director reported a small automatic share acquisition linked to a dividend reinvestment plan. On 11/14/2025, 81 shares of common stock were acquired at a price of $19.53 per share through dividend reinvestment into the director's spouse's IRA, a form of indirect ownership. Following this transaction, the filing shows the spouse's IRA holding 5,730 shares and the director directly holding 9,161 shares of common stock. The transaction is coded as a routine reinvestment under an established plan, rather than an open‑market purchase or sale.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider SINGER AARON K

Role Director

Type	Security	Shares	Price	Value
Other	Common Stock	81	$19.53	$2K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 5,730 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)
11/14/2025

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	11/14/2025		J(1)	V	81	A	$19.53	5,730	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	11/26/2025
	** 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 report in this Form 4?

The Form 4 reports that a director of Citizens & Northern Corp (CZNC) acquired 81 shares of common stock on 11/14/2025 through dividend reinvestment.

At what price were the new CZNC shares acquired by the director?

The 81 shares of CZNC common stock were acquired at a price of $19.53 per share via a dividend reinvestment plan.

How many CZNC shares does the director hold after this transaction?

After the transaction, the filing shows 5,730 shares held indirectly in the spouse's IRA and 9,161 shares held directly by the director.

What does indirect ownership mean in this CZNC Form 4 filing?

Indirect ownership refers to shares held through another account, here the director's spouse's IRA, which holds 5,730 CZNC shares after the dividend reinvestment.

Was the CZNC insider transaction a market trade or a plan-based acquisition?

The filing explains that the 81 CZNC shares were acquired through reinvestment of a cash dividend under a dividend reinvestment plan, not an open-market trade.

What role does the reporting person have at Citizens & Northern Corp (CZNC)?

The reporting person is identified as a Director of Citizens & Northern Corp (CZNC) on the Form 4.