Kelley A. Cwiklinski - 19 Nov 2025 Form 4 Insider Report for CITIZENS & NORTHERN CORP (CZNC)

Role: EVP CHIEF COMM LENDING OFFICER
Signature: /s/ Melinda S Kilburn for Kelley A Cwiklinski, 3/26/25, Attorney-in-Fact
Issuer symbol: CZNC
Transactions as of: 19 Nov 2025
Net transactions value: +$701
Form type: 4
Filing time: 26 Nov 2025, 15:03:17 UTC
Previous filing: 25 Aug 2025
Next filing: 03 Feb 2026
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Cwiklinski Kelley A	EVP CHIEF COMM LENDING OFFICER	317 YARDLEY-NEWTOWN ROAD, YARDLEY	/s/ Melinda S Kilburn for Kelley A Cwiklinski, 3/26/25, Attorney-in-Fact	26 Nov 2025	0001964953

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	CZNC	Common Stock	Other	$701	+36	+1.5%	$19.46	2,503	19 Nov 2025	By ESOP	F1
holding	CZNC	Common Stock						455	19 Nov 2025	By Spouse's IRA
holding	CZNC	Common Stock						26,719	19 Nov 2025	Direct

* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id	Content
F1	Exempt acquisition in ESOP via dividend reinvestment under D/R plan.