Christian C. Trate - 01 Oct 2025 Form 4 Insider Report for CITIZENS & NORTHERN CORP (CZNC)

Role: Director
Signature: /s/ Amy T. Garraty for Christian C. Trate, 9-25-2025, Attorney-in-Fact
Issuer symbol: CZNC
Transactions as of: 01 Oct 2025
Net transactions value: $0
Form type: 4
Filing time: 03 Oct 2025, 12:51:42 UTC
Next filing: 21 Nov 2025
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Trate Christian C	Director	311 MEXICO ROAD, MILTON	/s/ Amy T. Garraty for Christian C. Trate, 9-25-2025, Attorney-in-Fact	03 Oct 2025	0002089133

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	* Price $	Shares After	Date	Ownership	Footnotes
transaction	CZNC	Common Stock	Award	$0	+25,906	$0.000000	25,906	01 Oct 2025	Direct	F1
transaction	CZNC	Common Stock	Award	$0	+70,360	$0.000000	70,360	01 Oct 2025	By Corporation	F1
transaction	CZNC	Common Stock	Award	$0	+6,142	$0.000000	6,142	01 Oct 2025	By Beneficiary IRA	F1
transaction	CZNC	Common Stock	Award	$0	+5,587	$0.000000	5,587	01 Oct 2025	By Trustee	F1

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

Explanation of Responses:

Id	Content
F1	On October 1, 2025, Susquehanna Community Financial, Inc. ("Susquehanna") merged with and into Citizens & Northern Corporation, Inc. ("C&N"). Pursuant to the merger, each share of Susquehanna common stock held by the reporting person was converted into the right to receive 0.80 shares of C &N common stock (the Exchange Ratio), with an amount in cash, without interest, to be paid in lieu of fractional shares at $19.48 per share. The closing price of C&N common stock on October 1, 2025 was $19.68 per share.

Content

On October 1, 2025, Susquehanna Community Financial, Inc. ("Susquehanna") merged with and into Citizens & Northern Corporation, Inc. ("C&N"). Pursuant to the merger, each share of Susquehanna common stock held by the reporting person was converted into the right to receive 0.80 shares of C &N common stock (the Exchange Ratio), with an amount in cash, without interest, to be paid in lieu of fractional shares at $19.48 per share. The closing price of C&N common stock on October 1, 2025 was $19.68 per share.