Exhibit 25.1

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM T-1

STATEMENT OF ELIGIBILITY UNDER
THE TRUST INDENTURE ACT OF 1939 OF A
CORPORATION DESIGNATED TO ACT AS TRUSTEE
Check if an Application to Determine Eligibility of
a Trustee Pursuant to Section 305(b)(2)

UMB BANK, NATIONAL ASSOCIATION
(Exact name of Trustee as specified in its charter)

44-0201230
I.R.S. Employer Identification No.

1010 Grand Blvd. Kansas City, Missouri	64106
(Address of principal executive offices)	(Zip Code)

Mauri J. Cowen
UMB BANK, NATIONAL ASSOCIATION
5555 San Felipe, Suite 870
Houston, Texas 77056
(713) 300-0586
(Name, address and telephone number of agent for service)

CITIZENS & NORTHERN CORPORATION
(Issuer with respect to the Securities)

Pennsylvania	23-2451943
(State or other jurisdiction of incorporation or organization)	(I.R.S. Employer Identification No.)

90-92 Main Street P.O.  Box 58 Wellsboro, Pennsylvania	16901
(Address of Principal Executive Offices)	(Zip Code)

3.25% Fixed-to-Floating Rate Subordinated Notes due 2031
(Title of the Indenture Securities)

FORM T-1

Item 1. GENERAL INFORMATION. Furnish the following information as to the Trustee.

a) Name and address of each examining or supervising authority to which it is subject.

The Comptroller of the Currency

Mid-Western District

2345 Grand Avenue, Suite 700

Kansas City, Missouri 64108

Federal Reserve Bank of Kansas City

Federal Reserve P.O. Station

Kansas City, Missouri 64198

Supervising Examiner

Federal Deposit Insurance Corporation

720 Olive Street, Suite 2909

St. Louis, Missouri 63101

b) Whether it is authorized to exercise corporate trust powers.

Yes

Item 2. AFFILIATIONS WITH OBLIGOR. If the obligor is an affiliate of the Trustee, describe each such affiliation.

None

Items 3-15. Items 3-15 are not applicable because, to the best of the Trustee’s knowledge, the obligor is not in default under any Indenture for which the Trustee acts as Trustee.

Item 16. LIST OF EXHIBITS: List below all exhibits filed as a part of this statement of eligibility and qualification.

1. A copy of the Articles of Association of the Trustee (Exhibit 1 to Form T-1 filed with Registration Statement No. 333-74008).

2. Certificate of Authority from the Comptroller of the Currency evidencing a change of the corporate title of the Association (Exhibit 2 to Form T-1 filed with Registration Statement No. 333-74008).

3. Certificate from the Comptroller of the Currency evidencing authority to exercise corporate trust powers and a letter evidencing a change of the corporate title of the Association (Exhibit 3 to Form T-1 filed with Registration Statement No. 333-74008).

4. Bylaws, as amended of the Trustee (Exhibit 4 to Form T-1 filed with Registration Statement No. 333-74008).

5. A copy of each Indenture referred to in Item 4. Not applicable.

6. The consent of the Trustee required by Section 321(b) of the Act (Exhibit 6 to Registration Statement No. 333-74008).

7. Report of Condition of the Trustee as of March 31, 2021 published pursuant to law or the requirements of its supervising or examining authority, attached as Exhibit 7.

SIGNATURE

Pursuant to the requirements of the Trust Indenture Act of 1939, as amended, the Trustee, UMB BANK, NATIONAL ASSOCIATION, a national banking association organized and existing under the laws of the United States of America, has duly caused this statement of eligibility and qualification to be signed on its behalf by the undersigned, thereunto duly authorized, all in the city of Houston, State of Texas on the 21^st day of June, 2021.

By:	/s/ Mauri J. Cowen
	Mauri J. Cowen
	Sr. Vice President

Exhibit 7

(See Attached)

UmbeanK,,.,atlooa!AsS. O<-:lal! Ol'l • FOtCCef1lf cateNumber: 8273 Consolidated Report of Condition for Insured Banks and Savings Associations for March 31, 2021Su.,,,..tled toCORon04/J0/2021at 02:50PM FflfCO J I Pag,e 17of 09 RC·JAll schedules are to be rePorted In thousands of dollars. Unless other wisei ndicated, report the amount outstanding as of the last business day of the quarter.Schedule RC- Balance Shee tAssets 1, Cash and balances due from depository institutio l'ls (from Sch edule RC·A}:Do llar Amounts in lhousandsRCFO Am ounta. Noninterest·beariORbalitnces andcurrencv and com (1)............. .............. ............ .. ................................., ,..... 0031 386 622 l.ab. lnlerest·be(lflng balances (2}................................................................................................. ................................... 2. Securities:04)71 3.830763 1.b.3, Held•to•m3turit y s@cutitit s (from Schedule R.C 8. <:olun, n A) (3).......................................................................JJ3',1 039 7112.ab. Avallable for-saiedebl securities (fto m Schedu le RC,8. column 0)....................................................................17739.753 330 2.b.c. Equi ty securities with readily determinable laS-values not held lor tr ading (4)................................. ................ ..... . 3. Federal funds soldand securiUespurchased under agreements lO ,esell:JA221 0 1.8012.c.a. f ederal funds sold................................................................................................ ............................................ IRCOti o,a, b. Secu rities purch edunder ag:,eemel'lts to resell (5,6)................................................................................... I R.CFO0 1.629 8133,a, 3.b.4. Loans and leasefinancing receivables(fro m Schedule RC-C): a. Loans and l eases held for sale................................................................................................ .............................. b. l oal\sand teases hekf for 1nvestment............................................................................I ts2tI 16,4,97352 c.lESS:Allowance fOf ban an d lease bsse:; (7)................................................................. I 3123I 202814RCFO 5369.,,,10,275 4.a. 4.b. 4,C.d. loans andleoses hekt for investment, net of Jll ow.incefl tem 4.b minus 4.c}........................................................ 5. Trading assets (fro m Schedule RC-D)..........................., , ,, ......................,. .,,,,,, , ............................. ........................ 6. Premises and fiYed assels (includ ing capitalized leases}............................................................................................. .,,.., 214516.294538 25 .329 220 4354.d. 5. 6.7. Other real estate owned (from Schedul e RC•M)..... .......... ................... ........ ...... .......... .................. ........ ................... ...2,,04 740 7.8. lnveslrnel.ns l11un consolidal ed subsidiaries aodassociated companies.................................................................... 2130 9. Direct and indirect investments in real estate ventures.....................................................................,... ....................0 8. 0 9.10 . l n tJn gible -..ssets [ft om Schedu'e RC•M }................................................................................................... ................... 11. Other assets (from S,hedule RC-F) (6)................................................................................................. ........................ 12. Total assets (sum of i tems 1 through 11).......................................,......................................................... .................... Uabilllies 13. Oeposits:WIJ21711FoM151 036 960 891 34.409.28410. 11. 12.a. I n dome i c ottices tsum ot totals ot coh,mns A and C from Schedul e RC· £, Pan I) fl} Nonlnterest•bea ng(8).............................................. .... ... ............................... l•coN•Im I 11806 864 f2}lnteres t• beari ng............................. . ... ............................................ ................... lRCONI66 3<>1 16,676 , 376 b . In fore i gn offi ces,Edge and Agreementsvbsidiories, Jnd 18J:s th om Schedule RC,-E Part II} fl } Non in tere st·bearing......................................................................................... IRCFNI6631I 0 tzt1n1erest•beari ng............................................................................................... l RCFNI6636 1 0 14. fedecalfundspurchased;.mdsecvr ill es soldunderagreements to repurchase:2200 28.483.240 13.a. 13.a.l. 13.a.2. RCFlll ?,00 0 13.b. 13.b.t. 13.b.2.t,, f:e<terJI funds p v rchosecl Ir\d omest ic offi ces(9}........................................................................................... RCON 899 3217 30114.a.,b Securities sold under agr ments to repurchase (10)..................................................................................... RCfO ,2 542.517 14,b.1S. Tradine liabii ties (from Sched ule RC·O )..............,,..,,.....,,.,,.,.................,,,.,........,,,..,,.,,,.,,,........,.,,...,,,.,,. ..,...,•..RCfO 35-480 15.16. Ot he r bc>rto wed mo n ey {In cludes mortgage Indebtedness) ffrom SC:hedule RC-M).. ... ......... .......... .... ... ...........RCfO 31900 16.l Includes cash items ln orocetsof col!ectio-.and u-.posted debits. 2 l ncli.1dc$ timeoortifre:Jte\-or dc-p;,sit not h:?ld fo·tr.ad' ns . 3 l ns.t:t1Jt!OM that l\;,.,e adopted ASU 1016 -13 shou ld rep o 'l in ite m l.a am ou nts net o f :my ap;>l'ca ble a !c wanoo fo• cred it l se1, andIteml .a shoi.1l d equal Schedu' e RC-8,It.em 8. columnA. less Schedlle R1·8, Pa rt u.item1. column8 . 4 Item 2.c is to be co'tlp leted bya IInstitutions.See the iMtructionsfor th li.1tem and the Glossaryentfy for "Secunties Activities" forfurthe1 detail o·taccuuritii fe<·nve,ttut l\ts i'l equ·tvse<v·ities, 5 Incl.ides II5cc;,1riti<:$ rC$alc aer cc mcn,b, qsordlc $of matu1ity, & l nu :t ut!o M t hat c adopted ASU 2016 -13 shoudl repo'l 1n items 3.b a!"ld 11 a-nounts net of any applicableallowance for credit losses. 7 lm t:tutio m. that MYe:Miopted ASU 2016-13 Yl ould rer::o 'f. i n item 4.c:t he a! ow:mc:e (0< a edit !o \eso, !oans andlea . 8 l nc!.Jdes oon interest- bear i ng, demand, tim e, an d sav,ngsdeposlts. , Rt po1tove1n·311t Fe cJe1a H(l(ue l o,o • &:an\.ittvc1r.: es in SChed 1.1!e R, C item Ui,"OVltr 00110-HecJ mone)>," 10 l nc l udei all s« urit ie-srepi.r<hase ag•eemenb, regard!es a mn .,rity.RPr,ortingPe,100: M;itch 31. 2021April .30.. lOll 3:02PM

 

Umbea nK,,.,atlooa!AsS. O<-:lal! Ol'l • FOtCCef1lfcate Number: 8273Schedule RC- ContinuedUabillties • continued 17 . .ind18. NotapplicableSu.,,,..tled toCORon04/J0/2021at 02:50 PM Fflf C03 1 Pag,e 18ot09 RC·2Oollar .Amounts in Thousands RCFO Amo unt19. Subo rdinated notes 3nd de b@nt urt s (1}........,........,.........................,........,.........................................,.. ..........,....,,,.• 3,0:, 0 19.20. Other l iabilit i es (fr om Schedule RC· G)... .. . .. ...... ......... ..... ...... ...... .. .. ... ...... .... ... ... ............ ..... .. .. .. ... .......... .. ...... ... 21. Total liabilitei s (sum of ite ms 13 throug h 20 ).. .. ... .......... . .. ........ ..... ... ............ .... .................... ... ... ....... .. ............ ... ..... .. 22. Nol app l ic.tb lEquity capital &.:Ink Equity Capital 23.Perpetu a1preferred stockand r atedsurplus......................................................................................... ..........2930 2m,.,. .351,833 31.5941191020. 21.23 .24.Common stoct ...................................................... ................................................................... .................................... 25. Su rplus (e xcludes all sur plu s re la ted to p refen @d $"lock).... ................ .......... ......... .. . ....................... .. . 26. a. Retained earnings............................................................................................ ........................................................ b. Accu mulated other comprehensive income (2)................................................................................................. ..... c. Othef equity<apital co,nponents (3)................................................................................................. ................... 27. a. Totalbank equitycapital {sumof items 23through26.c}.................................................................................... b. Noncontrolling (minority} interests in consolidated subsidiaries......................... ............................................mo 3$3'! 3,63.2, AlJO 3'10 300021 2S0 24. 849,8 22 25. l 770 238 26.a. 173,083 26,•b 0 26.c. 2,81,4 393 21..a. 0 21.0.28. Total eciuity t ap itat (sum of items 27.aand 27.b;............................................................................................... ....... 29. Total liab!flties and e qu ity capita l ( sum of items 21 and 28t.....................................................................................Memoranda Tobe reported with the March Report of Condition .GI«. 2 814 393 is. 34 409 28 4 29.la • An integ ra ted a rJdi t of l he r epo rti '€ fnst tu tioo 's f m oc.cal l o; Aa a OOit of the re po rt ng I nstitu ti on 's parentoo!d!ngtatc mcnb and ib int,cn., l contro l o,cr fil\tlncittr1cporticom pony's co n sd ida tcd fint.inci.cl )talcmcnt.sonlyconducte d inco,ducted irtacm rdance w i l il t he sta nda r di of the American lr1 IHuW \lf Ct:rlifti d Pubft; AcWuril.ittb {A tCPAt or the Pub ic Company Att oun ting Oversight 8001d(PCAOB) by an l OOepe n • d en1pu :JUc-8cco., nm nt tl'lH: SJbmitsa re;:,onco \he insli w tfoo tb= An audit cf th e repor tln g lns tltuf o-.'s flnanda ' stotemMtsonly co1ducted illacmrdancewit/\ the aud ting standardsof Vie AICPA o r the PCA08 bya"I independent f)\lbilc accountant that suomils a reporton tiieiBStilu ti on .u = An iritesrawd a ,u.1il or lh e re po1ti irm i tulioo 's l)cn: ·,11 ho !Ons company 's oons oli dall.>d f'inanc:ial st.il em enl.s and its 1n1ern ra1contr ol o,,er fi na:-ieial repon!oa: conduciedIn :iccotda"lre with the standardsof th AICPAo- the PCAOa by M indepe, dent pub licacco-Jntant t ha l submitsa report on the co, !!dated bo!d!ngcompany (but ntheaccO(dance with the auditing standard sof the AICPA0 1 the PCA08 by ;,n ind ,e·1dent pvb!i(;.:1tcu u·11..trit t h al ) ubmi l) a •ep or t M the consoli dated ho kting ro-npan--1i b.it no l e n the il"IS-ttuti O"Iseparately> 3 = Th ls number!snot to used 4 .; Oirecto-s· examination ot the bank co, ducted in accOfdance with ge, era lly accepted a ud·ti-1' gstandards by a c:erdfied p.1blk accounting fi rm (may be requi·ed by state•charteringa uthodtyt S =Oin:t:tO')' <-.xamlnalioo('J the barik p(!tfo,r'lied b-yotherc.-xlerna1 audito rs{maybe requiredbysta te •<:ha rt erin e au th o rity) 6 = Re·ve w•o f tM ba"lk'stin allCai l statements t,,/merna a!Jdito·s 1 • Com pilati Ol"I o f t h(! b.lnk's frnn.,1ciaslt3t mcnts b.,-C)(tcrro l auditors 8 • Other 8'Jdit pro 1.11e (ex cl ud i ng tax preparatiOl'I worl<)institu:seipa-a tely)9 • No e.xterna aud il wo dcDate 1 2/31 M.2.l lnc.ludes limited•life prt ferred stock and r e-lat ed su rplu s. 2 Includesb, ut is not 11-n i tcd to, ne t u nreatll ed -.>!dins gains ( tosses>O'\ ava·1001e-for--sa!esew rities,accumultaednet g.al.ns{IOSS6) o,- c.nhnowhe e• .c1nd ;ttcumu 1<1t ed d enned bt!'nefl perr.\o,- and other po lf elif t!'ment planadjinlfnenls. 3 Includes-tr cu 1,ury st oc lt nn d unc .Jrncd Em;Jfoycc Ste>o< Ow r h i :>.PliJn Y'lsnc s.RPl)Ortint Per iOO: M;i rch 3 1. 2021April .30, 2021 3: 02 PM