Dividend reinvestment boosts Citizens & Northern (CZNC) director’s share holdings

Rhea-AI Filing Summary

CITIZENS & NORTHERN CORP director updates holdings through dividend reinvestment. Bobbi J Kilmer reported two Form 4 transactions in common stock on February 13, 2026, reflecting shares credited via a dividend reinvestment plan. The filings show transactions of 142 shares at $23.44 and 53 shares at $23.59, bringing her directly owned stake to 17,776 common shares.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Kilmer Bobbi J

Role Director

Type	Security	Shares	Price	Value
Other	Common Stock	142	$23.44	$3K
Other	Common Stock	53	$23.59	$1K

Holdings After Transaction: Common Stock — 17,723 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^*

Kilmer Bobbi J

(Last) (First) (Middle)

555 COUNTRY VIEW DRIVE

(Street)

TOWANDA PA 18848

(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	142	A	$23.44	17,723	D
Common Stock	02/13/2026		J(1)	V	53	A	$23.59	17,776	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 Bobbi J Kilmer, 4/24/25, 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 did Citizens & Northern (CZNC) director Bobbi J Kilmer report on this Form 4?

Bobbi J Kilmer reported two transactions in Citizens & Northern common stock on February 13, 2026. Both were coded as other transactions and reflect shares credited through a dividend reinvestment plan, updating her directly owned holdings to 17,776 shares.

How many Citizens & Northern (CZNC) shares were involved in Kilmer’s latest Form 4?

The Form 4 lists two entries: 142 Citizens & Northern common shares at $23.44 and 53 shares at $23.59. These transactions, tied to dividend reinvestment, adjusted her directly owned position to a total of 17,776 common shares after the transactions.

How were the new Citizens & Northern (CZNC) shares obtained according to the Form 4 footnote?

The footnote explains the shares were acquired through reinvestment of a cash dividend under a dividend reinvestment plan. This means cash dividends payable on existing Citizens & Northern shares were automatically used to purchase additional common stock in her account.

What transaction code appears on Bobbi J Kilmer’s Citizens & Northern (CZNC) Form 4?

Both entries use transaction code J, described as an “other acquisition or disposition.” In this case, the accompanying footnote clarifies the activity represents dividend reinvestment plan transactions rather than open-market buying or selling of Citizens & Northern common shares.

What is Bobbi J Kilmer’s resulting ownership in Citizens & Northern (CZNC) after these transactions?

Following the two dividend reinvestment entries, Bobbi J Kilmer directly owns 17,776 shares of Citizens & Northern common stock. The filing classifies this ownership as direct, with no separate indirect ownership entity described in the provided data.

Does this Citizens & Northern (CZNC) Form 4 indicate buying or selling by the director?

The filing does not classify the activity as traditional buying or selling. Instead, both transactions are coded as other and linked to a dividend reinvestment plan, where cash dividends are automatically converted into additional Citizens & Northern common shares.