Citizens & Northern (CZNC) director adds 128 shares via DRIP

Citizens & Northern Corp (CZNC) director reported a routine dividend reinvestment transaction.

Rhea-AI Filing Summary

Citizens & Northern Corp (CZNC) director reported a routine dividend reinvestment transaction. On 11/14/2025, the reporting person acquired 128 shares of common stock at $19.415 per share through reinvestment of a cash dividend under a dividend reinvestment plan, rather than through an open-market purchase.

After this transaction, the reporting person beneficially owned 10,809 common shares directly. Additional holdings reported include 2 shares held indirectly by a spouse and 375 shares held indirectly by a child.

Insider Trade Summary

Other: 128 shares

Other 3 txns

Insider Loughery Robert G

Role Director

Type	Security	Shares	Price	Value
Other	Common Stock	128	$19.415	$2K
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 10,809 shares (Direct); Common Stock — 2 shares (Indirect, By Spouse); Common Stock — 375 shares (Indirect, By Child)

Footnotes (1)

1. F1. Shares acquired through reinvestment of cash dividend under a dividend reinvestment plan.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider transaction was reported for Citizens & Northern Corp (CZNC)?

A director of Citizens & Northern Corp (CZNC) reported acquiring 128 shares of common stock on 11/14/2025 through a dividend reinvestment transaction.

At what price were the new CZNC shares acquired in this Form 4 filing?

The 128 shares of CZNC common stock were acquired at a price of $19.415 per share.

How were the CZNC shares acquired in this Form 4 for Citizens & Northern Corp?

The shares were acquired through reinvestment of a cash dividend under a dividend reinvestment plan, as noted in the explanation of responses.

How many CZNC shares does the insider own after this dividend reinvestment?

Following the reported transaction, the insider beneficially owned 10,809 CZNC common shares directly.

Does the reporting person have any indirect ownership of CZNC shares?

Yes. In addition to direct holdings, the filing reports 2 shares held indirectly by a spouse and 375 shares held indirectly by a child.

What is the insider’s relationship to Citizens & Northern Corp (CZNC)?

The reporting person is identified as a Director of Citizens & Northern Corp.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 11/26/2025 - 02:40 PM EST Learn about SEC filing dates

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)
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	128	A	$19.415	10,809	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	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.