Citizens & Northern Corp holds a focused book of 117 stocks worth $437.7M as of Q2 2026 (disclosed Jul 17, 2026, a ~45-day 13F lag). This quarter they opened Wells Fargo & Co and trimmed Fidelity Msci RL Est Indx. Their largest long position is Vanguard Russell 1000 Growth at 13% of the equity book. Cloning the disclosed picks since 2025 would be +11% (+14.8%/yr). That is a simulation of the disclosed long book, not audited returns.
The public view is the crawlable proof. The same sourced dataset is available through REST and MCP for agents, research scripts, and back-office tools.
This fund page is the Follow view. The Build view lets your agent pull holdings, quarter changes, overlap, and source filings through API or MCP.
curl -H "Authorization: Bearer YOUR_API_KEY" \ "https://arkolith.com/api/v1/funds/810958/holdings"
Use Arkolith to show CITIZENS & NORTHERN CORP's latest holdings, largest changes, and filing provenance.
Following at the filing date actually beat the quarter-end book by 1.7 points over this window.
Growth of $10,000 cloning Citizens & Northern Corp's disclosed long 13F book, rebalanced on each filing date (so it reflects the ~45-day reporting lag, no look-ahead), total-return basis (dividends reinvested), derived from end-of-day prices. “Their reported book” values the same picks from quarter-end, before they were public. S&P 500 is SPY total return over the same window. Excludes shorts, cash, options and non-13F holdings. Not investment advice.
Top-heavy: focused book
Share of the disclosed book in its largest positions. A higher top-5 share means a more concentrated, higher-conviction portfolio.
51% mapped to company sectors
Direct operating-company sectors from our SIC-based security master. ETF/fund and unclassified holdings stay visible separately; this is not ETF look-through exposure.
Estimated $ traded · quarter-end prices, no cost basis
Bars show each stock's share of the portfolio. Click a row for its position history.
| # | Security | Value | Shares | % Port | Last move | History |
|---|---|---|---|---|---|---|
| 1 | Vanguard Russell 1000 Growth ETF VNG RUS1000GRW | $59.1M | 462.2K | 13.5% | ▲+20% Added · +78K sh | |
| 2 | iShares Core MSCI Emerging Mkts ETF CORE MSCI EMKT | $28.2M | 340.1K | 6.4% | ▲+2.2% Added · +7K sh | |
| 3 | Fidelity MSCI Real Estate Index ETF MSCI RL EST ETF | $27.9M | 953.6K | 6.4% | ▼−15% Reduced · −166K sh | |
| 4 | iShares North American Natural Resources ETF NORTH AMERN NAT | $24.0M | 427.9K | 5.5% | ▼−8.9% Reduced · −42K sh | |
| 5 | iShares S&P MidCap 400 Index Fd CORE S&P MCP ETF | $16.8M | 217.6K | 3.8% | ▼−12% Reduced · −31K sh | |
| 6 | Nvidia Corp COM | $16.4M | 82.0K | 3.7% | ▼−1.1% Reduced · −895 sh | |
| 7 | Apple Computer Inc COM | $15.5M | 53.5K | 3.5% | ▼−0.2% Reduced · −93 sh | |
| 8 | State Street SPDR Portfolio S&P 400 Mid Cap ETF ST STR P400MID | $14.1M | 208.1K | 3.2% | ▼−13% Reduced · −30K sh | |
| 9 | Alphabet Inc Class C CAP STK CL C | $13.9M | 39.5K | 3.2% | ▼−1.7% Reduced · −694 sh | |
| 10 | iShares JPMorgan USD Emerging Markets Bond ETF JPMORGAN USD EMG | $12.8M | 132.9K | 2.9% | ▼−2.2% Reduced · −3K sh | |
| 11 | Microsoft Corp COM | $10.9M | 29.1K | 2.5% | ▼−1.8% Reduced · −525 sh | |
| 12 | Dimensional U.S. Core Equity 2 ETF US COR EQU 2 ETF | $10.6M | 238.0K | 2.4% | —Held | |
| 13 | Amazon Communications Inc COM | $9.0M | 37.8K | 2.1% | ▼−3.2% Reduced · −1K sh | |
| 14 | Citizens Financial Services Inc COM | $8.5M | 117.1K | 1.9% | —Held | |
| 15 | Citizens & Northern Corp COM | $8.1M | 349.5K | 1.9% | ▼−2.9% Reduced · −10K sh | |
| 16 | Advanced Micro Devices Inc COM | $7.4M | 12.7K | 1.7% | ▼−17% Reduced · −3K sh | |
| 17 | JPMorgan Chase & Co COM | $5.8M | 17.8K | 1.3% | ▼−12% Reduced · −2K sh | |
| 18 | Corning Inc COM | $5.0M | 19.7K | 1.1% | —Held | |
| 19 | Meta Platforms Inc CL A | $4.9M | 8.8K | 1.1% | ▼−12% Reduced · −1K sh | |
| 20 | Avantis International Equity ETF INTL EQT ETF | $4.9M | 54.8K | 1.1% | —Held | |
| 21 | Broadcom Inc Common COM | $4.8M | 12.7K | 1.1% | ▲+84% Added · +6K sh | |
| 22 | Wells Fargo & Co New COM | $4.3M | 51.8K | 1.0% | ▲New New position | |
| 23 | Caterpillar Inc COM | $4.1M | 3.8K | 0.9% | ▼−14% Reduced · −641 sh | |
| 24 | Mastercard Inc Class A CL A | $4.0M | 7.8K | 0.9% | ▼−4.3% Reduced · −349 sh | |
| 25 | Costco Wholesale Corp (New) COM | $4.0M | 4.3K | 0.9% | ▼−0.3% Reduced · −11 sh | |
| 26 | Exxon Mobil Corp COM | $3.5M | 25.8K | 0.8% | ▼−1.1% Reduced · −279 sh | |
| 27 | Analog Devices Inc COM | $3.1M | 7.8K | 0.7% | ▼−20% Reduced · −2K sh | |
| 28 | iShares Barclays MBS Bond Fund ETF MBS ETF | $2.9M | 31.1K | 0.7% | ▼−15% Reduced · −6K sh | |
| 29 | KLA Corporation COM NEW | $2.9M | 9.5K | 0.7% | ▲+895% Added · +9K sh | |
| 30 | Cisco Systems Inc COM | $2.7M | 23.2K | 0.6% | ▼−29% Reduced · −9K sh | |
| 31 | CVS Health Corporation COM | $2.7M | 26.3K | 0.6% | ▼−3.6% Reduced · −973 sh | |
| 32 | Procter & Gamble Co COM | $2.7M | 18.5K | 0.6% | ▼−1.2% Reduced · −232 sh | |
| 33 | Tjx Companies (New) COM | $2.5M | 16.8K | 0.6% | ▼−1.0% Reduced · −175 sh | |
| 34 | Palo Alto Networks Inc Common COM | $2.5M | 7.3K | 0.6% | ▼−3.0% Reduced · −229 sh | |
| 35 | RTX Corporation COM | $2.4M | 12.7K | 0.6% | ▼−7.8% Reduced · −1K sh | |
| 36 | Citigroup Inc Common New COM NEW | $2.3M | 16.4K | 0.5% | ▼−1.4% Reduced · −235 sh | |
| 37 | Eaton Corp SHS | $2.3M | 5.4K | 0.5% | ▼−9.8% Reduced · −581 sh | |
| 38 | Charles Schwab Corp COM | $2.3M | 24.6K | 0.5% | ▲+15% Added · +3K sh | |
| 39 | State Street SPDR S&P 500 ETF Trust TR UNIT | $2.1M | 2.9K | 0.5% | —Held | |
| 40 | Johnson & Johnson COM | $2.1M | 8.2K | 0.5% | ▲+2.0% Added · +165 sh | |
| 41 | Oracle Corp COM | $2.1M | 14.0K | 0.5% | ▼−2.4% Reduced · −347 sh | |
| 42 | GSK PLC ADR SPONSORED ADR | $2.1M | 39.2K | 0.5% | ▼−2.1% Reduced · −860 sh | |
| 43 | Cencora, Inc. COM | $2.0M | 7.2K | 0.5% | ▲+1.5% Added · +105 sh | |
| 44 | Medtronic PLC SHS | $2.0M | 25.9K | 0.5% | ▲+14% Added · +3K sh | |
| 45 | Home Depot Inc COM | $2.0M | 5.6K | 0.5% | ▼−2.6% Reduced · −152 sh | |
| 46 | Boeing Co COM | $2.0M | 9.1K | 0.4% | ▼−2.0% Reduced · −190 sh | |
| 47 | Coca Cola Co COM | $1.9M | 22.8K | 0.4% | ▼−2.3% Reduced · −541 sh | |
| 48 | General Dynamics Corp COM | $1.8M | 5.1K | 0.4% | ▼−3.0% Reduced · −159 sh | |
| 49 | Blackstone Inc COM | $1.8M | 15.2K | 0.4% | ▼−1.4% Reduced · −223 sh | |
| 50 | Avantis US Equity ETF US EQT ETF | $1.8M | 13.8K | 0.4% | —Held |
As-of date vs the date the SEC received each filing
Holdings from SEC EDGAR 13F-HR filings, updated quarterly ~45 days after quarter-end. Public domain. The book and weighting are long equity only; disclosed put/call options are listed separately and excluded from those totals. The performance line is a simulation of the disclosed long book, not an audited return.