CZNC Form 4: Executive VP boosts holdings through reinvested dividends

Rhea-AI Filing Summary

Citizens & Northern Corp (CZNC) executive reports routine share acquisitions. An executive vice president acquired 413 shares of common stock on 11/14/2025 at $19.415 per share through reinvestment of a cash dividend under a dividend reinvestment plan. On 11/19/2025, the same officer acquired an additional 135 shares at $19.46 per share as an exempt acquisition in an employee stock ownership plan via dividend reinvestment.

Following these transactions, the officer beneficially owns 32,572 Citizens & Northern common shares directly and 9,531 shares indirectly through the ESOP. These transactions are administrative in nature and reflect automatic reinvestment of dividends rather than open-market purchases or sales.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider REBER JOHN M

Role EXEC. VP

Type	Security	Shares	Price	Value
Other	Common Stock	135	$19.46	$3K
Other	Common Stock	413	$19.415	$8K

Holdings After Transaction: Common Stock — 9,531 shares (Indirect, By ESOP); Common Stock — 32,572 shares (Direct)

Footnotes (1)

1. Shares acquired through reinvestment of cash dividend under a dividend reinvestment plan. Exempt acquisition in ESOP via dividend reinvestment under D/R plan.

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^*

REBER JOHN M

(Last) (First) (Middle)

755 BROWN ROAD

(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)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	EXEC. VP

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	413	A	$19.415	32,572	D
Common Stock	11/19/2025		J(2)	V	135	A	$19.46	9,531	I	By ESOP

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.

2. Exempt acquisition in ESOP via dividend reinvestment under D/R plan.

	/s/ Melinda S Kilburn for John M Reber, 3/18/25, 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 did the CZNC executive report on this Form 4 filing?

The filing reports that a Citizens & Northern Corp executive vice president acquired additional CZNC common shares through dividend reinvestment in a dividend reinvestment plan and an ESOP.

How many CZNC shares were acquired in the dividend reinvestment transactions?

The officer acquired 413 CZNC common shares on 11/14/2025 at $19.415 per share and 135 shares on 11/19/2025 at $19.46 per share through dividend reinvestment arrangements.

What is the CZNC executives total beneficial ownership after these transactions?

After the reported transactions, the executive beneficially owns 32,572 CZNC common shares directly and 9,531 shares indirectly through an ESOP.

Were the CZNC share acquisitions open-market purchases or plan-related?

The acquisitions were plan-related: one from reinvestment of a cash dividend under a dividend reinvestment plan and one as an exempt acquisition in an ESOP via dividend reinvestment.

What do the transaction codes J(1) and J(2) mean for this CZNC Form 4?

Codes J(1) and J(2) denote other acquisitions, explained in the notes as shares acquired through dividend reinvestment in a dividend reinvestment plan and as an exempt ESOP acquisition via dividend reinvestment.

Is this CZNC Form 4 filed by one or multiple reporting persons?

This Form 4 is filed by one reporting person, reflecting that individual executives ownership and transactions in CZNC common stock.