Citizens & Northern Corp.
Citizens & Northern Corporation (C&N) is a publicly traded community financial institution headquartered in Wellsboro, Pennsylvania. Founded in 1864, C&N operates mainly through its largest subsidiary, Citizens & Northern Bank, offering retail and commercial banking, wealth management, and trust services throughout northern and central Pennsylvania. The firm serves individuals, businesses, and municipalities, and is recognized for its strong community engagement and financial stability. As of 2025, C&N has around 350 employees.
Investment Strategy
Citizens & Northern Corporation primarily pursues a community banking strategy focused on stable growth through deposits and lending (personal, commercial, and residential mortgages), alongside wealth management and trust services. The firm invests in local relationships, aiming to service individuals, small-to-medium businesses, and government entities. Its Wealth Management Group emphasizes diversified asset allocation, prudent risk management, and responsiveness to market volatility, supplementing traditional lending operations with fee-based investment and trust activities.
Top Holdings
Equity Positions (117)
| Ticker | Security | Weight | Market Value | Shares | Avg Cost | Price | Change (QoQ) |
|---|---|---|---|---|---|---|---|
V VONG | Vanguard Russell 1000 Growth ETF | 11.66% | $43.6M | 398,999 | $59.89 | $109.20 | +$4.7M |
F FREL | Fidelity MSCI Real Estate Index ETF | 5.93% | $22.2M | 820,011 | $24.96 | $27.04 | +$461.7K |
I IGE | iShares North American Natural Resources ETF | 5.86% | $21.9M | 495,124 | $43.07 | $44.25 | -$807.2K |
I IEMG | iShares Core MSCI Emerging Mkts ETF | 5.74% | $21.5M | 357,392 | $52.31 | $60.03 | +$1.4M |
I IJH | iShares S&P MidCap 400 Index Fd | 4.29% | $16.0M | 258,700 | $40.24 | $62.02 | -$913.6K |