2023 Q1 Form 10-K Financial Statement

#000114036123010821 Filed on March 09, 2023

View on sec.gov

Income Statement

Concept 2023 Q1 2022 Q4 2022
Revenue $2.070M $8.587M
YoY Change -88.38% -88.27%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $264.0K $260.0K $877.0K
YoY Change 0.76% -3.7% -4.88%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense $7.027M $11.22M
YoY Change 352.48% 57.96%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income $8.476M $9.701M $35.50M
YoY Change 3.21% 14.16% 0.5%
Income Tax $1.609M $1.826M $6.435M
% Of Pretax Income 18.98% 18.82% 18.13%
Net Earnings $6.867M $7.875M $29.06M
YoY Change 1.88% 13.41% -0.2%
Net Earnings / Revenue 331.74% 338.42%
Basic Earnings Per Share $1.73 $7.32
Diluted Earnings Per Share $1.73 $1.99 $7.32
COMMON SHARES
Basic Shares Outstanding 3.971M 3.971M 3.970M
Diluted Shares Outstanding 3.966M 3.970M

Balance Sheet

Concept 2023 Q1 2022 Q4 2022
SHORT-TERM ASSETS
Cash & Short-Term Investments $28.10M $28.42M
YoY Change -83.77%
Cash & Equivalents $26.17M $26.21M
Short-Term Investments $1.923M $2.208M
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment $17.59M $17.62M $17.62M
YoY Change 4.37% 3.54% -13.21%
Goodwill $31.38M $31.38M
YoY Change 0.0% 0.0%
Intangibles $1.181M $1.272M
YoY Change -21.82%
Long-Term Investments
YoY Change
Other Assets $10.79M $12.89M $12.89M
YoY Change
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $2.335B $2.333B $2.333B
YoY Change 7.23% 8.84% 8.84%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $1.768M $1.232M $1.232M
YoY Change 147.62% 76.0% 76.0%
Accrued Expenses $5.016M $5.016M
YoY Change 52.0%
Deferred Revenue
YoY Change
Short-Term Debt $17.78M
YoY Change 5.18%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $1.768M $6.248M $1.232M
YoY Change 147.62% 792.57% -69.2%
LONG-TERM LIABILITIES
Long-Term Debt $288.1M $257.3M $257.3M
YoY Change 322.29% 247.67% 1378.61%
Other Long-Term Liabilities $32.65M $25.51M $30.53M
YoY Change 20.36% 24.45% 76.46%
Total Long-Term Liabilities $320.7M $282.8M $287.8M
YoY Change 236.39% 199.25% 729.41%
TOTAL LIABILITIES
Total Short-Term Liabilities $1.768M $6.248M $1.232M
Total Long-Term Liabilities $320.7M $282.8M $287.8M
Total Liabilities $2.122B $2.133B $2.133B
YoY Change 7.44% 10.45% 10.45%
SHAREHOLDERS EQUITY
Retained Earnings $171.6M $164.9M
YoY Change 12.95%
Common Stock $4.428M $4.428M
YoY Change 0.89%
Preferred Stock
YoY Change
Treasury Stock (at cost) $16.98M $16.97M
YoY Change 5.12%
Treasury Stock Shares $456.6K $456.5K
Shareholders Equity $213.2M $200.1M $200.1M
YoY Change
Total Liabilities & Shareholders Equity $2.335B $2.333B $2.333B
YoY Change 7.23% 8.84% 8.84%

Cashflow Statement

Concept 2023 Q1 2022 Q4 2022
OPERATING ACTIVITIES
Net Income $6.867M $7.875M $29.06M
YoY Change 1.88% 13.41% -0.2%
Depreciation, Depletion And Amortization $264.0K $260.0K $877.0K
YoY Change 0.76% -3.7% -4.88%
Cash From Operating Activities $10.41M $8.902M $33.24M
YoY Change -13.58% 41.08% -14.09%
INVESTING ACTIVITIES
Capital Expenditures $208.0K $484.0K $1.634M
YoY Change -458.62% -791.43% -247.21%
Acquisitions $0.00
YoY Change
Other Investing Activities $5.431M $22.70M -$360.8M
YoY Change -105.12% -194.55% 129.63%
Cash From Investing Activities $5.223M $22.22M -$362.5M
YoY Change -104.92% -192.3% 129.06%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net $1.279M
YoY Change -6.91%
Debt Paid & Issued, Net $0.00 $4.725M
YoY Change -100.0% -82.37%
Cash From Financing Activities -15.67M -28.06M 182.6M
YoY Change -144.4% -131.66% -18.36%
NET CHANGE
Cash From Operating Activities 10.41M 8.902M 33.24M
Cash From Investing Activities 5.223M 22.22M -362.5M
Cash From Financing Activities -15.67M -28.06M 182.6M
Net Change In Cash -38.00K 3.063M -146.6M
YoY Change -99.94% -95.68% -240.81%
FREE CASH FLOW
Cash From Operating Activities $10.41M $8.902M $33.24M
Capital Expenditures $208.0K $484.0K $1.634M
Free Cash Flow $10.20M $8.418M $31.61M
YoY Change -15.71% 31.94% -20.59%

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CY2020 us-gaap Interest Income Expense Net
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CY2021 us-gaap Provision For Loan And Lease Losses
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CY2020 us-gaap Provision For Loan And Lease Losses
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CY2022 us-gaap Interest Income Expense After Provision For Loan Loss
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CY2021 us-gaap Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
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CY2020 us-gaap Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
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CY2022 czfs Service Charges On Deposit Accounts
ServiceChargesOnDepositAccounts
5346000
CY2021 czfs Service Charges On Deposit Accounts
ServiceChargesOnDepositAccounts
4755000
CY2020 czfs Service Charges On Deposit Accounts
ServiceChargesOnDepositAccounts
4221000
CY2022 czfs Trust Fees
TrustFees
803000
CY2021 czfs Trust Fees
TrustFees
865000
CY2020 czfs Trust Fees
TrustFees
803000
CY2022 us-gaap Investment Banking Advisory Brokerage And Underwriting Fees And Commissions
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1895000
CY2021 us-gaap Investment Banking Advisory Brokerage And Underwriting Fees And Commissions
InvestmentBankingAdvisoryBrokerageAndUnderwritingFeesAndCommissions
1625000
CY2020 us-gaap Investment Banking Advisory Brokerage And Underwriting Fees And Commissions
InvestmentBankingAdvisoryBrokerageAndUnderwritingFeesAndCommissions
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CY2022 us-gaap Equity Securities Fv Ni Unrealized Gain Loss
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CY2021 us-gaap Equity Securities Fv Ni Unrealized Gain Loss
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339000
CY2020 us-gaap Equity Securities Fv Ni Unrealized Gain Loss
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CY2022 us-gaap Debt Securities Available For Sale Gain Loss
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CY2021 us-gaap Debt Securities Available For Sale Gain Loss
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212000
CY2020 us-gaap Debt Securities Available For Sale Gain Loss
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305000
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258000
CY2021 us-gaap Gain Loss On Sale Of Mortgage Loans
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CY2020 us-gaap Gain Loss On Sale Of Mortgage Loans
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CY2021 us-gaap Bank Owned Life Insurance Income
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1828000
CY2020 us-gaap Bank Owned Life Insurance Income
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845000
CY2021 us-gaap Noninterest Income Other Operating Income
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1398000
CY2020 us-gaap Noninterest Income Other Operating Income
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1974000
CY2022 us-gaap Noninterest Income
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CY2021 us-gaap Noninterest Income
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25902000
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24190000
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CY2021 us-gaap Occupancy Net
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2966000
CY2020 us-gaap Occupancy Net
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2557000
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565000
CY2021 us-gaap Equipment Expense
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519000
CY2020 us-gaap Equipment Expense
EquipmentExpense
757000
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1891000
CY2021 us-gaap Professional Fees
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1526000
CY2020 us-gaap Professional Fees
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1517000
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676000
CY2021 us-gaap Federal Deposit Insurance Corporation Premium Expense
FederalDepositInsuranceCorporationPremiumExpense
522000
CY2020 us-gaap Federal Deposit Insurance Corporation Premium Expense
FederalDepositInsuranceCorporationPremiumExpense
476000
CY2022 czfs Pennsylvania Shares Tax
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907000
CY2021 czfs Pennsylvania Shares Tax
PennsylvaniaSharesTax
880000
CY2020 czfs Pennsylvania Shares Tax
PennsylvaniaSharesTax
868000
CY2022 czfs Amortization Of Intangible Assets Core Deposits And Non Compete
AmortizationOfIntangibleAssetsCoreDepositsAndNonCompete
156000
CY2021 czfs Amortization Of Intangible Assets Core Deposits And Non Compete
AmortizationOfIntangibleAssetsCoreDepositsAndNonCompete
192000
CY2020 czfs Amortization Of Intangible Assets Core Deposits And Non Compete
AmortizationOfIntangibleAssetsCoreDepositsAndNonCompete
216000
CY2022 us-gaap Business Combination Acquisition Related Costs
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0
CY2021 us-gaap Business Combination Acquisition Related Costs
BusinessCombinationAcquisitionRelatedCosts
0
CY2020 us-gaap Business Combination Acquisition Related Costs
BusinessCombinationAcquisitionRelatedCosts
2179000
CY2022 czfs Ore Expenses Recovery
OREExpensesRecovery
17000
CY2021 czfs Ore Expenses Recovery
OREExpensesRecovery
439000
CY2020 czfs Ore Expenses Recovery
OREExpensesRecovery
451000
CY2022 czfs Software Expenses
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1446000
CY2021 czfs Software Expenses
SoftwareExpenses
1321000
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7283000
CY2020 us-gaap Other Noninterest Expense
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6481000
CY2022 us-gaap Noninterest Expense
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44694000
CY2021 us-gaap Noninterest Expense
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41550000
CY2020 us-gaap Noninterest Expense
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40847000
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35495000
CY2021 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
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35317000
CY2020 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
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30366000
CY2022 us-gaap Income Tax Expense Benefit
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6435000
CY2021 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
6199000
CY2020 us-gaap Income Tax Expense Benefit
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5263000
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CY2021 us-gaap Net Income Loss
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CY2020 us-gaap Net Income Loss
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25103000
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CY2021 us-gaap Earnings Per Share Diluted
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CY2020 us-gaap Earnings Per Share Diluted
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CY2020 us-gaap Common Stock Dividends Per Share Cash Paid
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3969722
CY2021 us-gaap Weighted Average Number Of Shares Outstanding Basic
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3984085
CY2020 us-gaap Weighted Average Number Of Shares Outstanding Basic
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3883027
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3969722
CY2021 us-gaap Weighted Average Number Of Diluted Shares Outstanding
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CY2020 us-gaap Weighted Average Number Of Diluted Shares Outstanding
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CY2021 us-gaap Net Income Loss
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CY2020 us-gaap Net Income Loss
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CY2021 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax
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CY2020 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax
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CY2022 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Tax
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CY2021 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Tax
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CY2020 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Tax
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1066000
CY2022 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax
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CY2021 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax
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CY2020 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax
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4008000
CY2022 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Before Tax
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CY2021 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Before Tax
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212000
CY2020 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Before Tax
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305000
CY2022 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Tax
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CY2021 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Tax
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44000
CY2020 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax
65000
CY2022 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Net Of Tax
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CY2021 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Net Of Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax
168000
CY2020 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Net Of Tax
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240000
CY2022 us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Reclassification Before Tax
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-4963000
CY2021 us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Reclassification Before Tax
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-1920000
CY2020 us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Reclassification Before Tax
OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax
11000
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OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationTaxParent
1043000
CY2021 us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss After Reclassification Tax Parent
OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationTaxParent
402000
CY2020 us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss After Reclassification Tax Parent
OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationTaxParent
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CY2022 us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss After Reclassification And Tax Parent
OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent
3920000
CY2021 us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss After Reclassification And Tax Parent
OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent
1518000
CY2020 us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss After Reclassification And Tax Parent
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CY2021 us-gaap Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Adjustment Before Tax
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CY2020 us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
3216000
CY2020 czfs Common Stock Dividend Rate Percentage
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CY2020 us-gaap Treasury Stock Shares Acquired
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2122000
CY2020 us-gaap Stock Issued During Period Value Restricted Stock Award Gross
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CY2020 us-gaap Stock Issued During Period Value Restricted Stock Award Net Of Forfeitures
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326000
CY2020 us-gaap Stock Issued During Period Value Treasury Stock Reissued
StockIssuedDuringPeriodValueTreasuryStockReissued
126000
CY2020 us-gaap Restricted Stock Award Forfeitures
RestrictedStockAwardForfeitures
0
CY2020 czfs Treasury Stock Reissued At Lower Than Repurchase Price Dividend Reinvestment Plan
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0
CY2021 czfs Common Stock Dividend Rate Percentage
CommonStockDividendRatePercentage
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CY2021 us-gaap Stock Issued During Period Value Stock Dividend
StockIssuedDuringPeriodValueStockDividend
0
CY2021 us-gaap Stock Issued During Period Value Restricted Stock Award Net Of Forfeitures
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CY2021 us-gaap Restricted Stock Award Forfeitures
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212492000
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CommonStockDividendRatePercentage
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CY2022 us-gaap Stock Issued During Period Value Stock Dividend
StockIssuedDuringPeriodValueStockDividend
0
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1279000
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StockIssuedDuringPeriodValueRestrictedStockAwardGross
144000
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192000
CY2022 us-gaap Stock Issued During Period Value Treasury Stock Reissued
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112000
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200147000
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CY2020 us-gaap Net Income Loss
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1550000
CY2020 us-gaap Provision For Loan And Lease Losses
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2400000
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1033000
CY2021 us-gaap Depreciation Amortization And Accretion Net
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1113000
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CY2022 us-gaap Amortization Of Deferred Loan Origination Fees Net
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1950000
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4535000
CY2020 us-gaap Amortization Of Deferred Loan Origination Fees Net
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3960000
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-2215000
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CY2021 us-gaap Deferred Income Tax Expense Benefit
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CY2020 us-gaap Deferred Income Tax Expense Benefit
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367000
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339000
CY2020 us-gaap Debt And Equity Securities Gain Loss
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-41000
CY2022 us-gaap Debt Securities Available For Sale Gain Loss
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-14000
CY2021 us-gaap Debt Securities Available For Sale Gain Loss
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212000
CY2020 us-gaap Debt Securities Available For Sale Gain Loss
DebtSecuritiesAvailableForSaleGainLoss
305000
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852000
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1828000
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695000
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336000
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ShareBasedCompensation
614000
CY2020 us-gaap Share Based Compensation
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473000
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CY2020 us-gaap Payments For Origination Of Mortgage Loans Held For Sale
PaymentsForOriginationOfMortgageLoansHeldForSale
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14004000
CY2021 us-gaap Proceeds From Sale Of Mortgage Loans Held For Sale
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55621000
CY2020 us-gaap Proceeds From Sale Of Mortgage Loans Held For Sale
ProceedsFromSaleOfMortgageLoansHeldForSale
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258000
CY2021 us-gaap Gain Loss On Sale Of Mortgage Loans
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1283000
CY2020 us-gaap Gain Loss On Sale Of Mortgage Loans
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2097000
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IncreaseDecreaseInAccruedInterestReceivableNet
857000
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521000
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-306000
CY2020 us-gaap Increase Decrease In Interest Payable Net
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-235000
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-330000
CY2021 us-gaap Other Operating Activities Cash Flow Statement
OtherOperatingActivitiesCashFlowStatement
180000
CY2020 us-gaap Other Operating Activities Cash Flow Statement
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1580000
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33240000
CY2021 us-gaap Net Cash Provided By Used In Operating Activities
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38693000
CY2020 us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
11822000
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7480000
CY2021 us-gaap Proceeds From Sale Of Available For Sale Securities Debt
ProceedsFromSaleOfAvailableForSaleSecuritiesDebt
29198000
CY2020 us-gaap Proceeds From Sale Of Available For Sale Securities Debt
ProceedsFromSaleOfAvailableForSaleSecuritiesDebt
23415000
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ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
33554000
CY2021 us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
55520000
CY2020 us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
70008000
CY2022 us-gaap Payments To Acquire Available For Sale Securities Debt
PaymentsToAcquireAvailableForSaleSecuritiesDebt
117913000
CY2021 us-gaap Payments To Acquire Available For Sale Securities Debt
PaymentsToAcquireAvailableForSaleSecuritiesDebt
211218000
CY2020 us-gaap Payments To Acquire Available For Sale Securities Debt
PaymentsToAcquireAvailableForSaleSecuritiesDebt
143987000
CY2020 us-gaap Payments To Acquire Federal Home Loan Bank Stock
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CY2022 us-gaap Payments For Proceeds From Loans And Leases
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CY2021 us-gaap Payments For Proceeds From Loans And Leases
PaymentsForProceedsFromLoansAndLeases
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CY2020 us-gaap Payments For Proceeds From Loans And Leases
PaymentsForProceedsFromLoansAndLeases
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CY2022 czfs Payments To Acquire Interest Bearing Time Deposits In Other Banks
PaymentsToAcquireInterestBearingTimeDepositsInOtherBanks
3720000
CY2021 czfs Payments To Acquire Interest Bearing Time Deposits In Other Banks
PaymentsToAcquireInterestBearingTimeDepositsInOtherBanks
0
CY2020 czfs Payments To Acquire Interest Bearing Time Deposits In Other Banks
PaymentsToAcquireInterestBearingTimeDepositsInOtherBanks
350000
CY2022 czfs Proceeds From Matured Interest Bearing Time Deposits With Other Banks
ProceedsFromMaturedInterestBearingTimeDepositsWithOtherBanks
5954000
CY2021 czfs Proceeds From Matured Interest Bearing Time Deposits With Other Banks
ProceedsFromMaturedInterestBearingTimeDepositsWithOtherBanks
2732000
CY2020 czfs Proceeds From Matured Interest Bearing Time Deposits With Other Banks
ProceedsFromMaturedInterestBearingTimeDepositsWithOtherBanks
848000
CY2022 us-gaap Proceeds From Payments For In Interest Bearing Deposits In Banks
ProceedsFromPaymentsForInInterestBearingDepositsInBanks
2733000
CY2021 us-gaap Proceeds From Payments For In Interest Bearing Deposits In Banks
ProceedsFromPaymentsForInInterestBearingDepositsInBanks
0
CY2020 us-gaap Proceeds From Payments For In Interest Bearing Deposits In Banks
ProceedsFromPaymentsForInInterestBearingDepositsInBanks
0
CY2022 us-gaap Payments To Acquire Life Insurance Policies
PaymentsToAcquireLifeInsurancePolicies
0
CY2021 us-gaap Payments To Acquire Life Insurance Policies
PaymentsToAcquireLifeInsurancePolicies
7800000
CY2020 us-gaap Payments To Acquire Life Insurance Policies
PaymentsToAcquireLifeInsurancePolicies
0
CY2022 us-gaap Payments To Acquire Productive Assets
PaymentsToAcquireProductiveAssets
1634000
CY2021 us-gaap Payments To Acquire Productive Assets
PaymentsToAcquireProductiveAssets
1105000
CY2020 us-gaap Payments To Acquire Productive Assets
PaymentsToAcquireProductiveAssets
942000
CY2022 us-gaap Proceeds From Life Insurance Policies
ProceedsFromLifeInsurancePolicies
0
CY2021 us-gaap Proceeds From Life Insurance Policies
ProceedsFromLifeInsurancePolicies
3714000
CY2020 us-gaap Proceeds From Life Insurance Policies
ProceedsFromLifeInsurancePolicies
0
CY2022 czfs Investments In Low Income Housing Partnerships
InvestmentsInLowIncomeHousingPartnerships
1123000
CY2021 czfs Investments In Low Income Housing Partnerships
InvestmentsInLowIncomeHousingPartnerships
0
CY2020 czfs Investments In Low Income Housing Partnerships
InvestmentsInLowIncomeHousingPartnerships
0
CY2022 us-gaap Proceeds From Sale Of Other Real Estate
ProceedsFromSaleOfOtherRealEstate
1126000
CY2021 us-gaap Proceeds From Sale Of Other Real Estate
ProceedsFromSaleOfOtherRealEstate
1537000
CY2020 us-gaap Proceeds From Sale Of Other Real Estate
ProceedsFromSaleOfOtherRealEstate
1805000
CY2022 us-gaap Payments To Acquire Businesses Net Of Cash Acquired
PaymentsToAcquireBusinessesNetOfCashAcquired
0
CY2021 us-gaap Payments To Acquire Businesses Net Of Cash Acquired
PaymentsToAcquireBusinessesNetOfCashAcquired
0
CY2020 us-gaap Payments To Acquire Businesses Net Of Cash Acquired
PaymentsToAcquireBusinessesNetOfCashAcquired
-1022000
CY2022 us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-362452000
CY2021 us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-158232000
CY2020 us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-110734000
CY2022 us-gaap Increase Decrease In Deposits
IncreaseDecreaseInDeposits
8057000
CY2021 us-gaap Increase Decrease In Deposits
IncreaseDecreaseInDeposits
247293000
CY2020 us-gaap Increase Decrease In Deposits
IncreaseDecreaseInDeposits
168914000
CY2022 us-gaap Proceeds From Issuance Of Long Term Debt
ProceedsFromIssuanceOfLongTermDebt
0
CY2021 us-gaap Proceeds From Issuance Of Long Term Debt
ProceedsFromIssuanceOfLongTermDebt
9869000
CY2020 us-gaap Proceeds From Issuance Of Long Term Debt
ProceedsFromIssuanceOfLongTermDebt
20000000
CY2022 us-gaap Repayments Of Long Term Debt
RepaymentsOfLongTermDebt
4725000
CY2021 us-gaap Repayments Of Long Term Debt
RepaymentsOfLongTermDebt
26800000
CY2020 us-gaap Repayments Of Long Term Debt
RepaymentsOfLongTermDebt
15000000
CY2022 us-gaap Proceeds From Repayments Of Short Term Debt
ProceedsFromRepaymentsOfShortTermDebt
188013000
CY2021 us-gaap Proceeds From Repayments Of Short Term Debt
ProceedsFromRepaymentsOfShortTermDebt
2060000
CY2020 us-gaap Proceeds From Repayments Of Short Term Debt
ProceedsFromRepaymentsOfShortTermDebt
-16280000
CY2022 us-gaap Payments For Repurchase Of Common Stock
PaymentsForRepurchaseOfCommonStock
1279000
CY2021 us-gaap Payments For Repurchase Of Common Stock
PaymentsForRepurchaseOfCommonStock
1374000
CY2020 us-gaap Payments For Repurchase Of Common Stock
PaymentsForRepurchaseOfCommonStock
2122000
CY2022 us-gaap Proceeds From Sale Of Treasury Stock
ProceedsFromSaleOfTreasuryStock
112000
CY2021 us-gaap Proceeds From Sale Of Treasury Stock
ProceedsFromSaleOfTreasuryStock
0
CY2020 us-gaap Proceeds From Sale Of Treasury Stock
ProceedsFromSaleOfTreasuryStock
126000
CY2022 us-gaap Payments Of Dividends Common Stock
PaymentsOfDividendsCommonStock
7588000
CY2021 us-gaap Payments Of Dividends Common Stock
PaymentsOfDividendsCommonStock
7383000
CY2020 us-gaap Payments Of Dividends Common Stock
PaymentsOfDividendsCommonStock
6539000
CY2022 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
182590000
CY2021 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
223665000
CY2020 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
149099000
CY2022 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect
-146622000
CY2021 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect
104126000
CY2020 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect
50187000
CY2021Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
172833000
CY2020Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
68707000
CY2019Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
18520000
CY2022Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
26211000
CY2021Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
172833000
CY2020Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
68707000
CY2022 us-gaap Interest Paid Net
InterestPaidNet
10703000
CY2021 us-gaap Interest Paid Net
InterestPaidNet
7411000
CY2020 us-gaap Interest Paid Net
InterestPaidNet
8175000
CY2022 us-gaap Income Taxes Paid
IncomeTaxesPaid
6600000
CY2021 us-gaap Income Taxes Paid
IncomeTaxesPaid
5500000
CY2020 us-gaap Income Taxes Paid
IncomeTaxesPaid
4750000
CY2022 us-gaap Dividends Paidinkind
DividendsPaidinkind
2560000
CY2021 us-gaap Dividends Paidinkind
DividendsPaidinkind
2352000
CY2020 us-gaap Dividends Paidinkind
DividendsPaidinkind
1916000
CY2022 us-gaap Fair Value Of Assets Acquired
FairValueOfAssetsAcquired
61000
CY2021 us-gaap Fair Value Of Assets Acquired
FairValueOfAssetsAcquired
906000
CY2020 us-gaap Fair Value Of Assets Acquired
FairValueOfAssetsAcquired
281000
CY2022 us-gaap Right Of Use Asset Obtained In Exchange For Operating Lease Liability
RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability
2403000
CY2021 us-gaap Right Of Use Asset Obtained In Exchange For Operating Lease Liability
RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability
1636000
CY2020 us-gaap Right Of Use Asset Obtained In Exchange For Operating Lease Liability
RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability
636000
CY2022 czfs Number Of Full Service Banking Offices
NumberOfFullServiceBankingOffices
32
CY2021 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
3984085
CY2020 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
3883027
CY2022 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
7.32
CY2021 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
7.31
CY2020 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
6.46
CY2022 us-gaap Number Of Operating Segments
NumberOfOperatingSegments
1
CY2022 czfs Interest Earning Deposits Maturity Maximum For Inclusion As Cash Equivalents
InterestEarningDepositsMaturityMaximumForInclusionAsCashEquivalents
P90D
CY2022Q4 czfs Number Of Classifications Of Investment Securities
NumberOfClassificationsOfInvestmentSecurities
3
CY2022Q4 us-gaap Held To Maturity Securities
HeldToMaturitySecurities
0
CY2021Q4 us-gaap Held To Maturity Securities
HeldToMaturitySecurities
0
CY2022Q4 us-gaap Trading Securities
TradingSecurities
0
CY2021Q4 us-gaap Trading Securities
TradingSecurities
0
CY2022 czfs Number Of Days Past Due For Loan To Be Considered Impaired
NumberOfDaysPastDueForLoanToBeConsideredImpaired
P90D
CY2022 us-gaap Net Income Loss
NetIncomeLoss
29060000
CY2021 us-gaap Net Income Loss
NetIncomeLoss
29118000
CY2020 us-gaap Net Income Loss
NetIncomeLoss
25103000
CY2022 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
3969722
CY2021 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
3984085
CY2020 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
3883027
CY2022 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
0
CY2021 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
0
CY2020 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
1841
CY2022 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
3969722
CY2021 us-gaap Goodwill Impairment Loss
GoodwillImpairmentLoss
0
CY2020 us-gaap Goodwill Impairment Loss
GoodwillImpairmentLoss
0
CY2022 us-gaap Goodwill Impairment Loss
GoodwillImpairmentLoss
0
CY2022 czfs Benefit In Excess Of The Cash Surrender Value
BenefitInExcessOfTheCashSurrenderValue
0.50
CY2022Q4 us-gaap Defined Benefit Pension Plan Current And Noncurrent Liabilities
DefinedBenefitPensionPlanCurrentAndNoncurrentLiabilities
660000
CY2021Q4 us-gaap Defined Benefit Pension Plan Current And Noncurrent Liabilities
DefinedBenefitPensionPlanCurrentAndNoncurrentLiabilities
696000
CY2022Q4 czfs Expenses Benefit Associated With Split Dollar Benefit
ExpensesBenefitAssociatedWithSplitDollarBenefit
-36000
CY2021Q4 czfs Expenses Benefit Associated With Split Dollar Benefit
ExpensesBenefitAssociatedWithSplitDollarBenefit
9000
CY2020Q4 czfs Expenses Benefit Associated With Split Dollar Benefit
ExpensesBenefitAssociatedWithSplitDollarBenefit
3000
CY2022 czfs Number Of Types Of Derivatives
NumberOfTypesOfDerivatives
3
CY2021 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
3984085
CY2020 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
3884868
CY2022 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
7.32
CY2021 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
7.31
CY2020 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
6.46
CY2021Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position
DebtSecuritiesAvailableForSaleUnrealizedLossPosition
229812000
CY2022 us-gaap Marketing And Advertising Expense
MarketingAndAdvertisingExpense
970000
CY2021 us-gaap Marketing And Advertising Expense
MarketingAndAdvertisingExpense
838000
CY2020 us-gaap Marketing And Advertising Expense
MarketingAndAdvertisingExpense
716000
CY2022 us-gaap Net Income Loss
NetIncomeLoss
29060000
CY2021 us-gaap Net Income Loss
NetIncomeLoss
29118000
CY2020 us-gaap Net Income Loss
NetIncomeLoss
25103000
CY2022 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
3969722
CY2022 czfs Trust Fees
TrustFees
803000
CY2021 czfs Trust Fees
TrustFees
865000
CY2020 czfs Trust Fees
TrustFees
803000
CY2022 us-gaap Investment Banking Advisory Brokerage And Underwriting Fees And Commissions
InvestmentBankingAdvisoryBrokerageAndUnderwritingFeesAndCommissions
1895000
CY2021 us-gaap Investment Banking Advisory Brokerage And Underwriting Fees And Commissions
InvestmentBankingAdvisoryBrokerageAndUnderwritingFeesAndCommissions
1625000
CY2020 us-gaap Investment Banking Advisory Brokerage And Underwriting Fees And Commissions
InvestmentBankingAdvisoryBrokerageAndUnderwritingFeesAndCommissions
1297000
CY2022 czfs Revenue From Contract With Customer Other
RevenueFromContractWithCustomerOther
543000
CY2021 czfs Revenue From Contract With Customer Other
RevenueFromContractWithCustomerOther
492000
CY2020 czfs Revenue From Contract With Customer Other
RevenueFromContractWithCustomerOther
339000
CY2022 us-gaap Revenue From Contract With Customer Excluding Assessed Tax
RevenueFromContractWithCustomerExcludingAssessedTax
8587000
CY2021 us-gaap Revenue From Contract With Customer Excluding Assessed Tax
RevenueFromContractWithCustomerExcludingAssessedTax
7737000
CY2020 us-gaap Revenue From Contract With Customer Excluding Assessed Tax
RevenueFromContractWithCustomerExcludingAssessedTax
6660000
CY2022Q4 us-gaap Cash Fdic Insured Amount
CashFDICInsuredAmount
250000
CY2022Q4 us-gaap Available For Sale Debt Securities Amortized Cost Basis
AvailableForSaleDebtSecuritiesAmortizedCostBasis
486993000
CY2022Q4 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Gain Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax
50000
CY2022Q4 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax
47537000
CY2022Q4 us-gaap Available For Sale Securities Debt Securities
AvailableForSaleSecuritiesDebtSecurities
439506000
CY2021Q4 us-gaap Available For Sale Debt Securities Amortized Cost Basis
AvailableForSaleDebtSecuritiesAmortizedCostBasis
412018000
CY2021Q4 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Gain Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax
4381000
CY2021Q4 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax
3997000
CY2021Q4 us-gaap Available For Sale Securities Debt Securities
AvailableForSaleSecuritiesDebtSecurities
412402000
CY2022Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position Number Of Positions
DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions
361
CY2022Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months
181562000
CY2022Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
11648000
CY2022Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger
246164000
CY2022Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
35889000
CY2022Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position
DebtSecuritiesAvailableForSaleUnrealizedLossPosition
427726000
CY2022Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss
DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss
47537000
CY2021Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months
211396000
CY2021Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
3261000
CY2021Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger
18416000
CY2021Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
736000
CY2021Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss
DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss
3997000
CY2022 us-gaap Proceeds From Sale Of Available For Sale Securities Debt
ProceedsFromSaleOfAvailableForSaleSecuritiesDebt
7480000
CY2021 us-gaap Proceeds From Sale Of Available For Sale Securities Debt
ProceedsFromSaleOfAvailableForSaleSecuritiesDebt
29198000
CY2020 us-gaap Proceeds From Sale Of Available For Sale Securities Debt
ProceedsFromSaleOfAvailableForSaleSecuritiesDebt
23415000
CY2022 us-gaap Debt Securities Available For Sale Realized Gain
DebtSecuritiesAvailableForSaleRealizedGain
0
CY2021 us-gaap Debt Securities Available For Sale Realized Gain
DebtSecuritiesAvailableForSaleRealizedGain
302000
CY2020 us-gaap Debt Securities Available For Sale Realized Gain
DebtSecuritiesAvailableForSaleRealizedGain
344000
CY2022 us-gaap Debt Securities Available For Sale Realized Loss
DebtSecuritiesAvailableForSaleRealizedLoss
14000
CY2021 us-gaap Debt Securities Available For Sale Realized Loss
DebtSecuritiesAvailableForSaleRealizedLoss
90000
CY2020 us-gaap Debt Securities Available For Sale Realized Loss
DebtSecuritiesAvailableForSaleRealizedLoss
39000
CY2022 us-gaap Debt Securities Available For Sale Gain Loss
DebtSecuritiesAvailableForSaleGainLoss
-14000
CY2021 us-gaap Debt Securities Available For Sale Gain Loss
DebtSecuritiesAvailableForSaleGainLoss
212000
CY2020 us-gaap Debt Securities Available For Sale Gain Loss
DebtSecuritiesAvailableForSaleGainLoss
305000
CY2022 us-gaap Equity Securities Fv Ni Gain Loss
EquitySecuritiesFvNiGainLoss
-251000
CY2021 us-gaap Equity Securities Fv Ni Gain Loss
EquitySecuritiesFvNiGainLoss
339000
CY2020 us-gaap Equity Securities Fv Ni Gain Loss
EquitySecuritiesFvNiGainLoss
-109000
CY2022 us-gaap Equity Securities Fv Ni Realized Gain Loss
EquitySecuritiesFvNiRealizedGainLoss
-4000
CY2021 us-gaap Equity Securities Fv Ni Realized Gain Loss
EquitySecuritiesFvNiRealizedGainLoss
0
CY2020 us-gaap Equity Securities Fv Ni Realized Gain Loss
EquitySecuritiesFvNiRealizedGainLoss
-68000
CY2022 us-gaap Equity Securities Fv Ni Unrealized Gain Loss
EquitySecuritiesFvNiUnrealizedGainLoss
-247000
CY2021 us-gaap Equity Securities Fv Ni Unrealized Gain Loss
EquitySecuritiesFvNiUnrealizedGainLoss
339000
CY2020 us-gaap Equity Securities Fv Ni Unrealized Gain Loss
EquitySecuritiesFvNiUnrealizedGainLoss
-41000
CY2021Q4 us-gaap Unamortized Loan Commitment And Origination Fees And Unamortized Discounts Or Premiums
UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums
2038000
CY2022Q4 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Carrying Amount Net
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNet
3306000
CY2021Q4 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Carrying Amount Net
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNet
3802000
CY2021Q4 us-gaap Impaired Financing Receivable Unpaid Principal Balance
ImpairedFinancingReceivableUnpaidPrincipalBalance
17905000
CY2021Q4 us-gaap Impaired Financing Receivable With No Related Allowance Recorded Investment
ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
14878000
CY2021Q4 us-gaap Impaired Financing Receivable With Related Allowance Recorded Investment
ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
655000
CY2021Q4 us-gaap Impaired Financing Receivable Recorded Investment
ImpairedFinancingReceivableRecordedInvestment
15533000
CY2021Q4 us-gaap Impaired Financing Receivable Related Allowance
ImpairedFinancingReceivableRelatedAllowance
121000
CY2022Q4 us-gaap Available For Sale Securities Debt Maturities Within One Year Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost
22327000
CY2022Q4 us-gaap Available For Sale Securities Debt Maturities Within One Year Fair Value
AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue
21863000
CY2022Q4 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost
195401000
CY2022Q4 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue
180261000
CY2022Q4 us-gaap Available For Sale Securities Debt Maturities After Five Through Ten Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost
103463000
CY2022Q4 us-gaap Available For Sale Securities Debt Maturities After Five Through Ten Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue
92019000
CY2022Q4 us-gaap Available For Sale Securities Debt Maturities After Ten Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost
165802000
CY2022Q4 us-gaap Available For Sale Securities Debt Maturities After Ten Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue
145363000
CY2022Q4 us-gaap Available For Sale Debt Securities Amortized Cost Basis
AvailableForSaleDebtSecuritiesAmortizedCostBasis
486993000
CY2022Q4 us-gaap Available For Sale Securities Debt Securities
AvailableForSaleSecuritiesDebtSecurities
439506000
CY2022Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
1724999000
CY2022Q4 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
11969000
CY2022Q4 czfs Financing Receivable Loans Acquired With Deteriorated Credit Quality
FinancingReceivableLoansAcquiredWithDeterioratedCreditQuality
-3306000
CY2022Q4 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
1709724000
CY2022Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
18552000
CY2022Q4 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
102000
CY2022Q4 czfs Loans And Leases Receivable Allowance Related To Loans Acquired With Deteriorated Credit Quality
LoansAndLeasesReceivableAllowanceRelatedToLoansAcquiredWithDeterioratedCreditQuality
0
CY2022Q4 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
18450000
CY2022Q4 us-gaap Loans And Leases Receivable Net Reported Amount
LoansAndLeasesReceivableNetReportedAmount
1706447000
CY2022Q4 czfs Loans And Leases Receivable Net Reported Amount Related To Individually Evaluated For Impairment
LoansAndLeasesReceivableNetReportedAmountRelatedToIndividuallyEvaluatedForImpairment
11867000
CY2022Q4 czfs Loans And Leases Receivable Net Reported Amount Related To Loans Acquired With Deteriorated Credit Quality
LoansAndLeasesReceivableNetReportedAmountRelatedToLoansAcquiredWithDeterioratedCreditQuality
3306000
CY2022Q4 czfs Loans And Leases Receivable Net Reported Amount Related To Collectively Evaluated For Impairment
LoansAndLeasesReceivableNetReportedAmountRelatedToCollectivelyEvaluatedForImpairment
1691274000
CY2021Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
1441533000
CY2021Q4 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
15533000
CY2021Q4 czfs Financing Receivable Loans Acquired With Deteriorated Credit Quality
FinancingReceivableLoansAcquiredWithDeterioratedCreditQuality
-3802000
CY2021Q4 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
1422198000
CY2021Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
17304000
CY2021Q4 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
121000
CY2021Q4 czfs Loans And Leases Receivable Allowance Related To Loans Acquired With Deteriorated Credit Quality
LoansAndLeasesReceivableAllowanceRelatedToLoansAcquiredWithDeterioratedCreditQuality
0
CY2021Q4 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
17183000
CY2021Q4 us-gaap Loans And Leases Receivable Net Reported Amount
LoansAndLeasesReceivableNetReportedAmount
1424229000
CY2021Q4 czfs Loans And Leases Receivable Net Reported Amount Related To Individually Evaluated For Impairment
LoansAndLeasesReceivableNetReportedAmountRelatedToIndividuallyEvaluatedForImpairment
15412000
CY2021Q4 czfs Loans And Leases Receivable Net Reported Amount Related To Loans Acquired With Deteriorated Credit Quality
LoansAndLeasesReceivableNetReportedAmountRelatedToLoansAcquiredWithDeterioratedCreditQuality
3802000
CY2021Q4 czfs Loans And Leases Receivable Net Reported Amount Related To Collectively Evaluated For Impairment
LoansAndLeasesReceivableNetReportedAmountRelatedToCollectivelyEvaluatedForImpairment
1405015000
CY2022Q4 us-gaap Unamortized Loan Commitment And Origination Fees And Unamortized Discounts Or Premiums
UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums
2573000
CY2021Q4 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield
370000
CY2020Q4 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield
788000
CY2022 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Accretion
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion
759000
CY2021 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Accretion
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion
499000
CY2022 czfs Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Reclassification Of Non Accretable Discount
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesReclassificationOfNonAccretableDiscount
1212000
CY2021 czfs Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Reclassification Of Non Accretable Discount
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesReclassificationOfNonAccretableDiscount
81000
CY2022Q4 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield
823000
CY2021Q4 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield
370000
CY2022Q4 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Outstanding Balance
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesOutstandingBalance
5758000
CY2021Q4 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Outstanding Balance
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesOutstandingBalance
6159000
CY2022Q4 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Carrying Amount Net
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNet
3306000
CY2021Q4 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Carrying Amount Net
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNet
3802000
CY2022Q4 czfs Real Estate Loans Serviced For Freddie Mac And Fannie Mae
RealEstateLoansServicedForFreddieMacAndFannieMae
187754000
CY2021Q4 czfs Real Estate Loans Serviced For Freddie Mac And Fannie Mae
RealEstateLoansServicedForFreddieMacAndFannieMae
197037000
CY2022 czfs Real Estate Loans Sold To Freddie Mac And Fannie Mae Without Recourse
RealEstateLoansSoldToFreddieMacAndFannieMaeWithoutRecourse
177575000
CY2021 czfs Real Estate Loans Sold To Freddie Mac And Fannie Mae Without Recourse
RealEstateLoansSoldToFreddieMacAndFannieMaeWithoutRecourse
184897000
CY2022Q4 us-gaap Mortgage Loans On Real Estate
MortgageLoansOnRealEstate
10179000
CY2021Q4 us-gaap Mortgage Loans On Real Estate
MortgageLoansOnRealEstate
12140000
CY2022Q4 czfs Federal Home Loan Bank First Loss Position For Mpf Portfolio
FederalHomeLoanBankFirstLossPositionForMPFPortfolio
161000
CY2022 czfs Federal Home Loan Bank Credit Enhancement For Mpf Portfolio Losses
FederalHomeLoanBankCreditEnhancementForMPFPortfolioLosses
348000
CY2022Q4 us-gaap Impaired Financing Receivable Unpaid Principal Balance
ImpairedFinancingReceivableUnpaidPrincipalBalance
14653000
CY2022Q4 us-gaap Impaired Financing Receivable With No Related Allowance Recorded Investment
ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
11292000
CY2022Q4 us-gaap Impaired Financing Receivable With Related Allowance Recorded Investment
ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
677000
CY2022Q4 us-gaap Impaired Financing Receivable Recorded Investment
ImpairedFinancingReceivableRecordedInvestment
11969000
CY2022Q4 us-gaap Impaired Financing Receivable Related Allowance
ImpairedFinancingReceivableRelatedAllowance
102000
CY2022 us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
13040000
CY2022 us-gaap Impaired Financing Receivable Interest Income Accrual Method
ImpairedFinancingReceivableInterestIncomeAccrualMethod
356000
CY2022 us-gaap Impaired Financing Receivable Interest Income Cash Basis Method
ImpairedFinancingReceivableInterestIncomeCashBasisMethod
10000
CY2021 us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
15880000
CY2021 us-gaap Impaired Financing Receivable Interest Income Accrual Method
ImpairedFinancingReceivableInterestIncomeAccrualMethod
395000
CY2021 us-gaap Impaired Financing Receivable Interest Income Cash Basis Method
ImpairedFinancingReceivableInterestIncomeCashBasisMethod
31000
CY2020 us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
18278000
CY2020 us-gaap Impaired Financing Receivable Interest Income Accrual Method
ImpairedFinancingReceivableInterestIncomeAccrualMethod
468000
CY2020 us-gaap Impaired Financing Receivable Interest Income Cash Basis Method
ImpairedFinancingReceivableInterestIncomeCashBasisMethod
27000
CY2022 czfs Amount Over Which All Relationship To Be Reviewed Minimum
AmountOverWhichAllRelationshipToBeReviewedMinimum
500000
CY2022Q4 us-gaap Notes Receivable Net
NotesReceivableNet
296863000
CY2021Q4 us-gaap Notes Receivable Net
NotesReceivableNet
226955000
CY2022Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
7020000
CY2022Q4 czfs Financing Receivable Not Past Due
FinancingReceivableNotPastDue
1714673000
CY2022Q4 czfs Purchased Credit Impaired Loans
PurchasedCreditImpairedLoans
3306000
CY2022Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
1724999000
CY2022Q4 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
7000
CY2022Q4 czfs Financing Receivable Recorded Investment Total Past Due And Non Accrual
FinancingReceivableRecordedInvestmentTotalPastDueAndNonAccrual
3568000
CY2022Q4 czfs Financing Receivable Recorded Investment Current And Non Accrual
FinancingReceivableRecordedInvestmentCurrentAndNonAccrual
3370000
CY2022Q4 czfs Purchased Credit Impaired Loans Non Accrual
PurchasedCreditImpairedLoansNonAccrual
0
CY2022Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
6938000
CY2022Q4 czfs Financing Receivable Recorded Investment Total Past Due And Still Accruing
FinancingReceivableRecordedInvestmentTotalPastDueAndStillAccruing
3452000
CY2022Q4 czfs Financing Receivable Recorded Investment Current And Still Accruing
FinancingReceivableRecordedInvestmentCurrentAndStillAccruing
1711303000
CY2022Q4 czfs Purchased Credit Impaired Loans And Still Accruing
PurchasedCreditImpairedLoansAndStillAccruing
3306000
CY2022Q4 czfs Financing Receivable Recorded Investment Total And Still Accruing
FinancingReceivableRecordedInvestmentTotalAndStillAccruing
1718061000
CY2022Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
7020000
CY2022Q4 czfs Financing Receivable Not Past Due
FinancingReceivableNotPastDue
1714673000
CY2022Q4 czfs Purchased Credit Impaired Loans
PurchasedCreditImpairedLoans
3306000
CY2022Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
1724999000
CY2021Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
4637000
CY2021Q4 czfs Financing Receivable Not Past Due
FinancingReceivableNotPastDue
1433094000
CY2021Q4 czfs Purchased Credit Impaired Loans
PurchasedCreditImpairedLoans
3802000
CY2021Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
1441533000
CY2021Q4 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
46000
CY2021Q4 czfs Financing Receivable Recorded Investment Total Past Due And Non Accrual
FinancingReceivableRecordedInvestmentTotalPastDueAndNonAccrual
3624000
CY2021Q4 czfs Financing Receivable Recorded Investment Current And Non Accrual
FinancingReceivableRecordedInvestmentCurrentAndNonAccrual
3992000
CY2021Q4 czfs Purchased Credit Impaired Loans Non Accrual
PurchasedCreditImpairedLoansNonAccrual
0
CY2021Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
7616000
CY2021Q4 czfs Financing Receivable Recorded Investment Total Past Due And Still Accruing
FinancingReceivableRecordedInvestmentTotalPastDueAndStillAccruing
1013000
CY2021Q4 czfs Financing Receivable Recorded Investment Current And Still Accruing
FinancingReceivableRecordedInvestmentCurrentAndStillAccruing
1429102000
CY2021Q4 czfs Purchased Credit Impaired Loans And Still Accruing
PurchasedCreditImpairedLoansAndStillAccruing
3802000
CY2021Q4 czfs Financing Receivable Recorded Investment Total And Still Accruing
FinancingReceivableRecordedInvestmentTotalAndStillAccruing
1433917000
CY2021Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
4637000
CY2021Q4 czfs Financing Receivable Not Past Due
FinancingReceivableNotPastDue
1433094000
CY2021Q4 czfs Purchased Credit Impaired Loans
PurchasedCreditImpairedLoans
3802000
CY2021Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
1441533000
CY2022Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
6938000
CY2021Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
7616000
CY2022 czfs Impaired Financing Receivable Foregone Interest Income
ImpairedFinancingReceivableForegoneInterestIncome
676000
CY2021 czfs Impaired Financing Receivable Foregone Interest Income
ImpairedFinancingReceivableForegoneInterestIncome
573000
CY2020 czfs Impaired Financing Receivable Foregone Interest Income
ImpairedFinancingReceivableForegoneInterestIncome
756000
CY2022Q4 czfs Troubled Debt Financing Receivable Related Allowance
TroubledDebtFinancingReceivableRelatedAllowance
15000
CY2021Q4 czfs Troubled Debt Financing Receivable Related Allowance
TroubledDebtFinancingReceivableRelatedAllowance
26000
CY2020Q4 czfs Troubled Debt Financing Receivable Related Allowance
TroubledDebtFinancingReceivableRelatedAllowance
257000
CY2022 us-gaap Financing Receivable Modifications Subsequent Default Number Of Contracts1
FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1
0
CY2022 us-gaap Financing Receivable Modifications Subsequent Default Recorded Investment1
FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1
0
CY2021 us-gaap Financing Receivable Modifications Subsequent Default Number Of Contracts1
FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1
0
CY2021 us-gaap Financing Receivable Modifications Subsequent Default Recorded Investment1
FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1
0
CY2020 us-gaap Financing Receivable Modifications Subsequent Default Number Of Contracts1
FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1
1
CY2020 us-gaap Financing Receivable Modifications Subsequent Default Recorded Investment1
FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1
110000
CY2022Q4 us-gaap Other Real Estate And Foreclosed Assets
OtherRealEstateAndForeclosedAssets
543000
CY2021Q4 us-gaap Other Real Estate And Foreclosed Assets
OtherRealEstateAndForeclosedAssets
1180000
CY2021Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
17304000
CY2022 us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
472000
CY2022 us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
37000
CY2022 us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
1683000
CY2022Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
18552000
CY2022Q4 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
102000
CY2022Q4 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
18450000
CY2020Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
15815000
CY2021 us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
214000
CY2021 us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
153000
CY2021 us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
1550000
CY2021Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
17304000
CY2021Q4 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
121000
CY2021Q4 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
17183000
CY2019Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
13845000
CY2020 us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
533000
CY2020 us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
103000
CY2020 us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
2400000
CY2020Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
15815000
CY2020Q4 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
510000
CY2020Q4 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
15305000
CY2022Q4 us-gaap Noninterest Bearing Deposit Liabilities Domestic
NoninterestBearingDepositLiabilitiesDomestic
396260000
CY2021Q4 us-gaap Noninterest Bearing Deposit Liabilities Domestic
NoninterestBearingDepositLiabilitiesDomestic
358073000
CY2022Q4 us-gaap Deposits Negotiable Order Of Withdrawal Now
DepositsNegotiableOrderOfWithdrawalNOW
512502000
CY2021Q4 us-gaap Deposits Negotiable Order Of Withdrawal Now
DepositsNegotiableOrderOfWithdrawalNOW
485292000
CY2022Q4 us-gaap Deposits Savings Deposits
DepositsSavingsDeposits
321917000
CY2021Q4 us-gaap Deposits Savings Deposits
DepositsSavingsDeposits
313048000
CY2022Q4 us-gaap Deposits Money Market Deposits
DepositsMoneyMarketDeposits
335838000
CY2021Q4 us-gaap Deposits Money Market Deposits
DepositsMoneyMarketDeposits
350122000
CY2022Q4 us-gaap Interest Bearing Domestic Deposit Certificates Of Deposits
InterestBearingDomesticDepositCertificatesOfDeposits
277691000
CY2021Q4 us-gaap Interest Bearing Domestic Deposit Certificates Of Deposits
InterestBearingDomesticDepositCertificatesOfDeposits
329616000
CY2022Q4 us-gaap Deposits
Deposits
1844208000
CY2021Q4 us-gaap Deposits
Deposits
1836151000
CY2022Q4 czfs Time Deposits250000 Or More
TimeDeposits250000OrMore
56287000
CY2021Q4 czfs Time Deposits250000 Or More
TimeDeposits250000OrMore
79610000
CY2022Q4 us-gaap Interest Bearing Domestic Deposit Brokered
InterestBearingDomesticDepositBrokered
16006000
CY2021Q4 us-gaap Interest Bearing Domestic Deposit Brokered
InterestBearingDomesticDepositBrokered
0
CY2022Q4 us-gaap Time Deposit Maturities Year One
TimeDepositMaturitiesYearOne
153926000
CY2022Q4 us-gaap Time Deposit Maturities Year Two
TimeDepositMaturitiesYearTwo
50951000
CY2022Q4 us-gaap Time Deposit Maturities Year Three
TimeDepositMaturitiesYearThree
31692000
CY2022Q4 us-gaap Time Deposit Maturities Year Four
TimeDepositMaturitiesYearFour
18845000
CY2022Q4 us-gaap Time Deposit Maturities Year Five
TimeDepositMaturitiesYearFive
16511000
CY2022Q4 us-gaap Time Deposit Maturities After Year Five
TimeDepositMaturitiesAfterYearFive
5766000
CY2022Q4 us-gaap Time Deposits
TimeDeposits
277691000
CY2022Q4 us-gaap Debt And Capital Lease Obligations
DebtAndCapitalLeaseObligations
257278000
CY2022 czfs Debt Maximum Month End Outstanding Amount
DebtMaximumMonthEndOutstandingAmount
259215000
CY2022 czfs Debt Average Outstanding Amount
DebtAverageOutstandingAmount
149661000
CY2022Q4 us-gaap Short Term Debt Weighted Average Interest Rate
ShortTermDebtWeightedAverageInterestRate
0.0261
CY2022Q4 us-gaap Weighted Average Interest Rate On Overdrawn Demand Deposit
WeightedAverageInterestRateOnOverdrawnDemandDeposit
0.0366
CY2021Q4 us-gaap Debt And Capital Lease Obligations
DebtAndCapitalLeaseObligations
73977000
CY2021 czfs Debt Maximum Month End Outstanding Amount
DebtMaximumMonthEndOutstandingAmount
100777000
CY2021 czfs Debt Average Outstanding Amount
DebtAverageOutstandingAmount
84622000
CY2021Q4 us-gaap Short Term Debt Weighted Average Interest Rate
ShortTermDebtWeightedAverageInterestRate
0.015
CY2021Q4 us-gaap Weighted Average Interest Rate On Overdrawn Demand Deposit
WeightedAverageInterestRateOnOverdrawnDemandDeposit
0.0156
CY2022Q4 us-gaap Securities Sold Under Agreements To Repurchase Gross
SecuritiesSoldUnderAgreementsToRepurchaseGross
20371000
CY2022Q4 us-gaap Securities Sold Under Agreements To Repurchase
SecuritiesSoldUnderAgreementsToRepurchase
17776000
CY2021Q4 us-gaap Securities Sold Under Agreements To Repurchase Gross
SecuritiesSoldUnderAgreementsToRepurchaseGross
17155000
CY2021Q4 us-gaap Securities Sold Under Agreements To Repurchase
SecuritiesSoldUnderAgreementsToRepurchase
16873000
CY2022Q4 us-gaap Deferred Tax Assets Unrealized Losses On Availablefor Sale Securities Gross
DeferredTaxAssetsUnrealizedLossesOnAvailableforSaleSecuritiesGross
9972000
CY2021Q4 us-gaap Deferred Tax Assets Unrealized Losses On Availablefor Sale Securities Gross
DeferredTaxAssetsUnrealizedLossesOnAvailableforSaleSecuritiesGross
0
CY2022Q4 us-gaap Long Term Debt Maturities Repayments Of Principal In Next Twelve Months
LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths
229886000
CY2022Q4 us-gaap Long Term Debt Maturities Repayments Of Principal In Year Two
LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo
10000000
CY2022Q4 us-gaap Long Term Debt Maturities Repayments Of Principal In Year Three
LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree
0
CY2022Q4 us-gaap Long Term Debt Maturities Repayments Of Principal In Year Four
LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour
0
CY2022Q4 us-gaap Long Term Debt Maturities Repayments Of Principal In Year Five
LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive
0
CY2022Q4 us-gaap Long Term Debt Maturities Repayments Of Principal After Year Five
LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive
17392000
CY2022Q4 us-gaap Debt And Capital Lease Obligations
DebtAndCapitalLeaseObligations
257278000
CY2022 czfs Defined Contribution Plan Employer Discretionary Contribution To401 K
DefinedContributionPlanEmployerDiscretionaryContributionTo401K
300000
CY2021 czfs Defined Contribution Plan Employer Discretionary Contribution To401 K
DefinedContributionPlanEmployerDiscretionaryContributionTo401K
290000
CY2020 czfs Defined Contribution Plan Employer Discretionary Contribution To401 K
DefinedContributionPlanEmployerDiscretionaryContributionTo401K
212000
CY2022 us-gaap Defined Contribution Plan Employer Discretionary Contribution Amount
DefinedContributionPlanEmployerDiscretionaryContributionAmount
623000
CY2021 us-gaap Defined Contribution Plan Employer Discretionary Contribution Amount
DefinedContributionPlanEmployerDiscretionaryContributionAmount
563000
CY2020 us-gaap Defined Contribution Plan Employer Discretionary Contribution Amount
DefinedContributionPlanEmployerDiscretionaryContributionAmount
518000
CY2022 us-gaap Current Income Tax Expense Benefit
CurrentIncomeTaxExpenseBenefit
6471000
CY2021 us-gaap Current Income Tax Expense Benefit
CurrentIncomeTaxExpenseBenefit
5510000
CY2020 us-gaap Current Income Tax Expense Benefit
CurrentIncomeTaxExpenseBenefit
4896000
CY2022 us-gaap Income Tax Expense Benefit Continuing Operations Adjustment Of Deferred Tax Asset Liability
IncomeTaxExpenseBenefitContinuingOperationsAdjustmentOfDeferredTaxAssetLiability
-36000
CY2021 us-gaap Income Tax Expense Benefit Continuing Operations Adjustment Of Deferred Tax Asset Liability
IncomeTaxExpenseBenefitContinuingOperationsAdjustmentOfDeferredTaxAssetLiability
689000
CY2020 us-gaap Income Tax Expense Benefit Continuing Operations Adjustment Of Deferred Tax Asset Liability
IncomeTaxExpenseBenefitContinuingOperationsAdjustmentOfDeferredTaxAssetLiability
367000
CY2022 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
6435000
CY2021 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
6199000
CY2020 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
5263000
CY2022Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Provision For Loan Losses
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses
4581000
CY2021Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Provision For Loan Losses
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses
4712000
CY2022Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Compensation And Benefits Employee Compensation
DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsEmployeeCompensation
559000
CY2021Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Compensation And Benefits Employee Compensation
DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsEmployeeCompensation
491000
CY2022Q4 czfs Deferred Tax Assets Tax Deferred Expense Merger And Acquisition Costs
DeferredTaxAssetsTaxDeferredExpenseMergerAndAcquisitionCosts
1000
CY2021Q4 czfs Deferred Tax Assets Tax Deferred Expense Merger And Acquisition Costs
DeferredTaxAssetsTaxDeferredExpenseMergerAndAcquisitionCosts
1000
CY2022Q4 czfs Deferred Tax Assets Allowance For Losses On Available For Sale Securities
DeferredTaxAssetsAllowanceForLossesOnAvailableForSaleSecurities
9000
CY2021Q4 czfs Deferred Tax Assets Allowance For Losses On Available For Sale Securities
DeferredTaxAssetsAllowanceForLossesOnAvailableForSaleSecurities
4000
CY2022Q4 czfs Deferred Tax Assets Tax Deferred Expense Compensation And Benefits Pensions And Other Retirement Obligation
DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensionsAndOtherRetirementObligation
146000
CY2021Q4 czfs Deferred Tax Assets Tax Deferred Expense Compensation And Benefits Pensions And Other Retirement Obligation
DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensionsAndOtherRetirementObligation
360000
CY2022Q4 czfs Deferred Tax Assets Interest On Non Accrual Loans
DeferredTaxAssetsInterestOnNonAccrualLoans
974000
CY2021Q4 czfs Deferred Tax Assets Interest On Non Accrual Loans
DeferredTaxAssetsInterestOnNonAccrualLoans
795000
CY2022Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Other
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsOther
503000
CY2021Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Other
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsOther
536000
CY2022Q4 czfs Deferred Tax Assets Tax Deferred Expense Other Real Estate Owned
DeferredTaxAssetsTaxDeferredExpenseOtherRealEstateOwned
32000
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CY2022 czfs Income Tax Reconciliation Nondeductible Expense Interest
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74000
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IncomeTaxReconciliationNondeductibleExpenseInterest
44000
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IncomeTaxReconciliationNondeductibleExpenseInterest
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0
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32000
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0
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NumberOfInvestmentsInPartnerships
7
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1304000
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280000
CY2021Q4 czfs Accumulated Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Tax
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523000
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1968000
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CY2022Q4 czfs Regulatory Lending Limit
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33407000
CY2022 czfs Number Of Capital Categories
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5
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12232000
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6
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0
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0
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13900000
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OperatingLeaseLiability
3266000
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P8Y11M1D
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CY2021 us-gaap Operating Lease Cost
OperatingLeaseCost
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847000
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760000
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706000
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642000
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635000
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2354000
CY2022Q4 us-gaap Lessee Operating Lease Liability Payments Due
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5944000
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928000
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50000
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47000
CY2022 dei Auditor Name
AuditorName
S.R. Snodgrass, P.C.
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AuditorLocation
Cranberry Township, Pennsylvania

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