Kelley A. Cwiklinski - 09 Jan 2026 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: 09 Jan 2026
Net transactions value: +$76,425
Form type: 4
Filing time: 03 Feb 2026, 15:54:03 UTC
Previous filing: 26 Nov 2025
Next filing: 27 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	03 Feb 2026	0001964953

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	CZNC	Common Stock	Other	$6,994	+340	+14%	$20.57	2,843	09 Jan 2026	By ESOP	F1
transaction	CZNC	Common Stock	Award	$79,807	+3,650	+14%	$21.86	30,369	30 Jan 2026	Direct	F2
transaction	CZNC	Common Stock	Tax liability	$10,376	-463	-1.5%	$22.41	29,906	30 Jan 2026	Direct	F3
holding	CZNC	Common Stock						455	09 Jan 2026	By Spouse's IRA

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

Explanation of Responses:

Id	Content
F1	Exempt acquisition via year end contribution to ESOP.
F2	Award of Restricted Stock.
F3	Payment of exercise price or tax liability by delivering or withholding securities incident to the receipt, exercise or vesting of a security issued in accordance with Rule 16b-3.