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CITIZENS & NORTHERN CORP director Frank G. Pellegrino reported an open-market purchase of the company’s Common Stock. On May 8, 2026, he bought 237 shares at $21.7452 per share and now holds 49,859 shares directly. The transaction was made pursuant to a written plan that became effective on May 1, 2026, indicating the trade was pre-arranged rather than opportunistic.
Citizens & Northern Corporation announced a planned leadership transition in its commercial lending business. On May 7, 2026, longtime executive Kelley Cwiklinski, Executive Vice President and Chief Lending Officer – Commercial of Citizens & Northern Bank, tendered her notice of retirement, effective at the close of business on July 10, 2026. She will continue to receive her pro rata base salary and benefits through that date.
The company’s May 11, 2026 press release notes that Cwiklinski’s decision follows a 41-year career in banking, including leading C&N’s commercial lending strategy and contributing to acquisitions such as Susquehanna Community Bank. As part of the planned transition, Gregory Adamson, currently Southeast Regional Commercial Lending Executive, will be promoted to Senior Vice President, Director of Commercial Lending and will assume the role upon Cwiklinski’s retirement. He brings over 27 years of commercial banking experience and will focus on continuing to grow C&N’s relationship-based commercial lending business.
Citizens & Northern Corporation reported sharply lower profitability for the quarter ended March 31, 2026. Net income fell to $273,000 from $6.293 million a year earlier, and earnings per share declined to $0.02 from $0.41.
The main driver was a much higher provision for credit losses of $13.602 million, versus $236,000 in 2025, largely tied to a $10.056 million charge-off on a non-owner occupied commercial real estate loan secured by a Class A office property. The allowance for credit losses on loans rose to $33.832 million, while total loans increased to $2.385 billion and total assets to $3.164 billion.
The October 2025 acquisition of Susquehanna Community Financial continued to support balance sheet and revenue growth, contributing loans of $393.6 million and deposits of $501.5 million. However, unrealized losses on available-for-sale securities widened to $32.873 million, and other comprehensive income swung to a loss of $1.967 million, resulting in a comprehensive loss of $1.694 million for the quarter.
Citizens & Northern Corporation reported sharply lower first quarter 2026 results as a large credit issue drove a major provision for loan losses. Net income fell to $273,000, or $0.02 per share, from $6.3 million, or $0.41 per share, in first quarter 2025, mainly due to a $13.6 million provision for credit losses versus $236,000 a year earlier.
Core performance remained solid: net interest income rose to $28.5 million, up 42% year over year, and pre-tax, pre-provision net revenue increased 74% to $14.1 million. Loans grew to $2.35 billion and deposits to $2.60 billion, each up more than 20% from a year earlier, while the quarterly dividend stayed at $0.28 per share.
Asset quality weakened, with nonperforming assets rising to 1.33% of total assets from 0.93%, and nonperforming loans at 1.76% of total loans. The allowance for credit losses increased to 1.42% of total loans from 1.06%, reflecting higher reserves on problem credits.
Citizens & Northern Corporation reported results from its virtual Annual Meeting of Shareholders held on April 23, 2026. Shareholders of record on February 25, 2026, holding 17,910,243 common shares, were eligible to vote, and 12,361,322 shares were present or represented by proxy, about 69% of shares outstanding.
Shareholders elected Class III directors Stephen M. Dorwart, J. Bradley Scovill and Aaron K. Singer, and Class II director Christian C. Trate, each for three‑year terms. All received more votes in favor than withheld or against, with additional broker non-votes reported.
Shareholders also approved the 2025 compensation of the named executive officers, with 7,696,638 votes in favor versus 1,012,603 against and 126,853 abstentions, plus broker non-votes. They further ratified the appointment of Crowe LLP as independent registered public accounting firm for the year ending December 31, 2026, with 12,276,726 votes in favor, 56,558 against and 28,038 abstentions.
CITIZENS & NORTHERN CORP submitted a Form 13F holdings report signed by Mark A. Hughes, Executive Vice President and Chief Financial Officer. The report lists 119 information-table entries with a total market value of $400,999,898. The filing shows 1 other included manager, Citizens & Northern Bank, Form 13F File No. 028-14473.
Trate Christian C reported acquisition or exercise transactions in this Form 4 filing.
CITIZENS & NORTHERN CORP director Christian C. Trate received an equity award. He was granted 1,080 shares of Common Stock as restricted stock at $23.15 per share, described as an award of restricted stock.
Following the grant, he directly holds 27,742 shares of Common Stock. He also has additional indirect holdings recorded as 5,587 shares held as trustee, 6,143 shares in a beneficiary IRA, and 70,360 shares held by a corporation.
Santiago Helen S reported acquisition or exercise transactions in this Form 4 filing.
CITIZENS & NORTHERN CORP director Helen S. Santiago received an award of 1,080 shares of Common Stock as restricted stock compensation. The shares were granted at a reference price of $23.15 per share. Following this award, she directly holds 10,947 Common Stock shares. Two additional indirect custodial holdings show 121 and 122 Common Stock shares, respectively.
Loughery Robert G reported acquisition or exercise transactions in this Form 4 filing.
Citizens & Northern Corp director Robert G. Loughery received a grant of 1,080 shares of common stock as an award of restricted stock. The shares were valued at $23.15 per share for reporting purposes, bringing his directly held common stock position to 11,996 shares after the grant.
The filing also lists small indirect holdings of common stock, including 375 shares held by a child and 2 shares held by a spouse, which are reported as indirect ownership rather than direct personal holdings.
Dorwart Stephen M reported acquisition or exercise transactions in this Form 4 filing.
CITIZENS & NORTHERN CORP director Stephen M. Dorwart reported a stock-based compensation grant. He received an award of 1,080 shares of Common Stock as Restricted Stock at a reference price of $23.15 per share, increasing his directly held Common Stock to 14,404 shares. The filing also lists 6,548 shares of Common Stock held indirectly through a corporation.