Citizens Financial Services Inc
firstcitizensbank.comCitizens Financial Services Inc (NASDAQ: CZFS) is a Pennsylvania-based bank holding company that operates First Citizens Community Bank, a full-service commercial bank serving individual, business, governmental, and institutional customers. The company makes money primarily through net interest income on loans and deposits, with supplemental non-interest income from service charges, trust and investment services, brokerage and insurance, and gains on loans sold. First Citizens Community Bank held 34.1% of FDIC-insured deposits in Bradford, Potter, and Tioga Counties, Pennsylvania as of June 30, 2025, ranking second among eight financial institutions in that market, and 6.1% of FDIC-insured deposits in Allegany County, New York. The bank operates across northern Pennsylvania and adjacent New York markets, with a concentration in commercial real estate lending. Non-owner-occupied commercial real estate loans represented 287.0% of consolidated risk-based capital as of December 31, 2025. Non-interest income totaled $14.3 million in FY2025, down from $15.4 million in FY2024.
Products & Services
Checking, savings, and time deposit accounts; residential mortgage loans; commercial and agricultural real estate loans; commercial and industrial loans; construction loans; consumer loans; private student loans; trust and estate services; mineral management; retirement services; brokerage and insurance products; bank-owned life insurance; USDA Farm Service Agency guaranteed loans.
Revenue Model
Net interest income on a portfolio of residential mortgage, commercial real estate, commercial and industrial, agricultural, construction, and consumer loans funded by checking, savings, and time deposit accounts. Secondary income streams include service charges, trust and investment fees, brokerage and insurance commissions, and gains on loans sold.
Customers & Markets
Individual retail depositors and borrowers; small and mid-size businesses; agricultural operators including dairy, swine, and poultry farmers; governmental and institutional entities; trust and estate clients. Agriculture is a material end market in the bank's core Pennsylvania footprint.
Geographic Exposure
Primary markets in Bradford, Potter, and Tioga Counties in north-central Pennsylvania, and Allegany County, New York. Secondary presence in southeastern Pennsylvania and Delaware markets, expanded through the HVBC acquisition.
Financial Snapshot
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