$CZFS
CITIZENS FINANCIAL SERVICES INC

2024 Q1 Form 10-K Financial Statement

#000114036124011948 Filed on March 07, 2024

View on sec.gov

Income Statement

Concept 2024 Q1 2023 Q4 2023
Revenue $2.413M $8.972M
YoY Change 16.57% 4.48%
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 $499.0K $500.0K $1.147M
YoY Change 89.02% 92.31% 30.79%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense $16.98M $46.86M
YoY Change 141.57% 317.52%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income $8.501M $9.224M $21.52M
YoY Change 0.29% -4.92% -39.39%
Income Tax $1.477M $1.684M $3.704M
% Of Pretax Income 17.37% 18.26% 17.22%
Net Earnings $7.024M $7.540M $17.81M
YoY Change 2.29% -4.25% -38.71%
Net Earnings / Revenue 291.09% 198.52%
Basic Earnings Per Share $1.49 $4.06
Diluted Earnings Per Share $1.49 $1.60 $4.06
COMMON SHARES
Basic Shares Outstanding 4.707M 4.706M 4.383M
Diluted Shares Outstanding 4.702M 4.383M

Balance Sheet

Concept 2024 Q1 2023 Q4 2023
SHORT-TERM ASSETS
Cash & Short-Term Investments $31.28M $54.76M
YoY Change 11.32% 92.67%
Cash & Equivalents $29.62M $52.82M
Short-Term Investments $1.658M $1.938M
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment $21.08M $21.38M $21.38M
YoY Change 19.87% 21.37% 21.37%
Goodwill $85.76M $85.76M
YoY Change 173.32% 173.32%
Intangibles $3.450M $3.650M
YoY Change 192.13% 186.95%
Long-Term Investments
YoY Change
Other Assets $17.67M $17.34M $17.34M
YoY Change 63.84% 34.56% 34.56%
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $2.921B $2.975B $2.975B
YoY Change 25.08% 27.51% 27.51%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $4.123M $4.298M $4.298M
YoY Change 133.2% 248.86% 248.86%
Accrued Expenses $11.19M $11.19M
YoY Change 123.05% 123.05%
Deferred Revenue
YoY Change
Short-Term Debt $18.04M
YoY Change 1.5%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $4.123M $4.298M $4.298M
YoY Change 133.2% -31.21% 248.86%
LONG-TERM LIABILITIES
Long-Term Debt $283.6M $322.0M $322.0M
YoY Change -1.56% 25.17% 25.17%
Other Long-Term Liabilities $47.86M $47.84M $47.84M
YoY Change 46.6% 87.52% 56.71%
Total Long-Term Liabilities $331.4M $369.9M $369.9M
YoY Change 3.34% 30.8% 28.52%
TOTAL LIABILITIES
Total Short-Term Liabilities $4.123M $4.298M $4.298M
Total Long-Term Liabilities $331.4M $369.9M $369.9M
Total Liabilities $2.638B $2.696B $2.696B
YoY Change 24.33% 26.36% 26.36%
SHAREHOLDERS EQUITY
Retained Earnings $177.7M $173.0M
YoY Change 3.53% 4.88%
Common Stock $5.161M $5.161M
YoY Change 16.55% 16.55%
Preferred Stock
YoY Change
Treasury Stock (at cost) $16.79M $16.79M
YoY Change -1.15% -1.07%
Treasury Stock Shares
Shareholders Equity $282.7M $279.7M $279.7M
YoY Change
Total Liabilities & Shareholders Equity $2.921B $2.975B $2.975B
YoY Change 25.08% 27.51% 27.51%

Cashflow Statement

Concept 2024 Q1 2023 Q4 2023
OPERATING ACTIVITIES
Net Income $7.024M $7.540M $17.81M
YoY Change 2.29% -4.25% -38.71%
Depreciation, Depletion And Amortization $499.0K $500.0K $1.147M
YoY Change 89.02% 92.31% 30.79%
Cash From Operating Activities $13.46M $16.21M $26.54M
YoY Change 29.29% 82.06% -20.17%
INVESTING ACTIVITIES
Capital Expenditures $99.00K $307.0K $2.617M
YoY Change -52.4% -36.57% 60.16%
Acquisitions -$4.905M
YoY Change
Other Investing Activities $23.21M $3.992M $62.08M
YoY Change 327.36% -82.41% -117.21%
Cash From Investing Activities $23.11M $3.685M $59.47M
YoY Change 342.49% -83.41% -116.41%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net $5.000M $0.00
YoY Change -100.0%
Cash From Financing Activities -59.77M -10.41M -59.40M
YoY Change 281.43% -62.91% -132.53%
NET CHANGE
Cash From Operating Activities 13.46M 16.21M 26.54M
Cash From Investing Activities 23.11M 3.685M 59.47M
Cash From Financing Activities -59.77M -10.41M -59.40M
Net Change In Cash -23.20M 9.487M 26.61M
YoY Change 60950.0% 209.73% -118.15%
FREE CASH FLOW
Cash From Operating Activities $13.46M $16.21M $26.54M
Capital Expenditures $99.00K $307.0K $2.617M
Free Cash Flow $13.36M $15.90M $23.92M
YoY Change 30.95% 88.88% -24.32%

Facts In Submission

Frame Concept Type Concept / XBRL Key Value Unit
CY2023 us-gaap Schedule Of Repurchase Agreements
ScheduleOfRepurchaseAgreements
<div><br/> </div> <table border="0" cellpadding="0" cellspacing="0" class="cfttable" style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-align: left; width: 100%;"> <tr> <td style="vertical-align: bottom;" valign="bottom"></td> <td colspan="1" style="vertical-align: bottom;" valign="bottom"> </td> <td colspan="18" style="vertical-align: bottom;" valign="bottom"> <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt;">Remaining Contractual Maturity of the Agreements</div> </td> <td colspan="1" style="text-align: left; vertical-align: bottom; white-space: nowrap;" valign="bottom"> </td> </tr> <tr> <td rowspan="1" style="vertical-align: bottom;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: center; vertical-align: bottom;" valign="bottom"> </td> <td colspan="2" rowspan="1" style="vertical-align: bottom; text-align: center;" valign="bottom">Overnight and</td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; white-space: nowrap;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: center; vertical-align: bottom;" valign="bottom"> </td> <td colspan="2" rowspan="1" style="vertical-align: bottom; text-align: center;" valign="bottom">Up to</td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; white-space: nowrap;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="vertical-align: bottom;" valign="bottom"> </td> <td colspan="2" rowspan="1" style="vertical-align: bottom;" valign="bottom"><br/> </td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; white-space: nowrap;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: center; vertical-align: bottom;" valign="bottom"> </td> <td colspan="2" rowspan="1" style="vertical-align: bottom; text-align: center;" valign="bottom">Greater than</td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; white-space: nowrap;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="vertical-align: bottom;" valign="bottom"> </td> <td colspan="2" rowspan="1" style="vertical-align: bottom;" valign="bottom"><br/> </td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; white-space: nowrap;" valign="bottom"> </td> </tr> <tr> <td style="vertical-align: bottom; padding-bottom: 2px;" valign="bottom"> <div style="text-align: left; text-indent: -7.2pt; margin-left: 7.2pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><span style="text-indent: 0pt;">2023</span></div> </td> <td colspan="1" style="vertical-align: bottom; padding-bottom: 2px;" valign="bottom"> </td> <td colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom"> <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt;">Continuous</div> </td> <td colspan="1" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); white-space: nowrap;" valign="bottom"> </td> <td colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom"> </td> <td colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom"> <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt;">30 Days</div> </td> <td colspan="1" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); white-space: nowrap;" valign="bottom"> </td> <td colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom"> </td> <td colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom"> <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt;">30 - 90 Days</div> </td> <td colspan="1" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); white-space: nowrap;" valign="bottom"> </td> <td colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom"> </td> <td colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom"> <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt;">90 days</div> </td> <td colspan="1" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); white-space: nowrap;" valign="bottom"> </td> <td colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom"> </td> <td colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom"> <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt;">Total</div> </td> <td colspan="1" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; white-space: nowrap;" valign="bottom"> </td> </tr> <tr> <td style="vertical-align: bottom;" valign="bottom"> <div style="text-align: left; text-indent: -7.2pt; margin-left: 7.2pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Repurchase Agreements:</div> </td> <td colspan="1" style="vertical-align: bottom;" valign="bottom"> </td> <td colspan="2" style="vertical-align: bottom;" valign="bottom"> </td> <td colspan="1" style="text-align: left; vertical-align: bottom; white-space: nowrap;" valign="bottom"> </td> <td colspan="1" style="vertical-align: bottom;" valign="bottom"> </td> <td colspan="2" style="vertical-align: bottom;" valign="bottom"> </td> <td colspan="1" style="text-align: left; vertical-align: bottom; white-space: nowrap;" valign="bottom"> </td> <td colspan="1" style="vertical-align: bottom;" valign="bottom"> </td> <td colspan="2" style="vertical-align: bottom;" valign="bottom"> </td> <td colspan="1" style="text-align: left; vertical-align: bottom; white-space: nowrap;" valign="bottom"> </td> <td colspan="1" style="vertical-align: bottom;" valign="bottom"> </td> <td colspan="2" style="vertical-align: bottom;" valign="bottom"> </td> <td colspan="1" style="text-align: left; vertical-align: bottom; white-space: nowrap;" valign="bottom"> </td> <td colspan="1" style="vertical-align: bottom;" valign="bottom"> </td> <td colspan="2" style="vertical-align: bottom;" valign="bottom"> </td> <td colspan="1" style="text-align: left; vertical-align: bottom; white-space: nowrap;" valign="bottom"> </td> </tr> <tr> <td style="vertical-align: middle; width: 40%; padding-bottom: 2px; background-color: #CCEEFF;" valign="bottom"> <div style="text-align: left; text-indent: -7.2pt; margin-left: 7.2pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">U.S. agency securities</div> </td> <td colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);" valign="bottom"> </td> <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom"> <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div> </td> <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom"> <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">19,490</div> </td> <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0); white-space: nowrap;" valign="bottom"> </td> <td colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom"> </td> <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom"> <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div> </td> <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom"> <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">-</div> </td> <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0); white-space: nowrap;" valign="bottom"> </td> <td colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom"> </td> <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom"> <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div> </td> <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom"> <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">-</div> </td> <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0); white-space: nowrap;" valign="bottom"> </td> <td colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom"> </td> <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom"> <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div> </td> <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom"> <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">-</div> </td> <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0); white-space: nowrap;" valign="bottom"> </td> <td colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom"> </td> <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom"> <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div> </td> <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom"> <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">19,490</div> </td> <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px; white-space: nowrap;" valign="bottom"> </td> </tr> <tr> <td style="vertical-align: middle; width: 40%; padding-bottom: 4px;" valign="bottom"> <div style="text-align: left; text-indent: -7.2pt; margin-left: 7.2pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Total carrying value of collateral pledged</div> </td> <td colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;" valign="bottom"> </td> <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" valign="bottom"> <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div> </td> <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);" valign="bottom"> <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">19,490</div> </td> <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); white-space: nowrap;" valign="bottom"> </td> <td colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" valign="bottom"> </td> <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" valign="bottom"> <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div> </td> <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);" valign="bottom"> <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">-</div> </td> <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); white-space: nowrap;" valign="bottom"> </td> <td colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" valign="bottom"> </td> <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" valign="bottom"> <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div> </td> <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);" valign="bottom"> <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">-</div> </td> <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); white-space: nowrap;" valign="bottom"> </td> <td colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" valign="bottom"> </td> <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" valign="bottom"> <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div> </td> <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);" valign="bottom"> <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">-</div> </td> <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); white-space: nowrap;" valign="bottom"> </td> <td colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" valign="bottom"> </td> <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" valign="bottom"> <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div> </td> <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);" valign="bottom"> <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">19,490</div> </td> <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; white-space: nowrap;" valign="bottom"> </td> </tr> <tr> <td rowspan="1" style="vertical-align: middle; width: 40%; background-color: rgb(204, 238, 255);" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" valign="bottom"> </td> <td colspan="1" rowspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); white-space: nowrap;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" valign="bottom"> </td> <td colspan="1" rowspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); white-space: nowrap;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" valign="bottom"> </td> <td colspan="1" rowspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); white-space: nowrap;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" valign="bottom"> </td> <td colspan="1" rowspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); white-space: nowrap;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" valign="bottom"> </td> <td colspan="1" rowspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); white-space: nowrap;" valign="bottom"> </td> </tr> <tr> <td style="vertical-align: middle; width: 40%; padding-bottom: 4px;" valign="bottom"> <div style="text-align: left; text-indent: -7.2pt; margin-left: 7.2pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Total liability recognized for repurchase agreements</div> </td> <td colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;" valign="bottom"> </td> <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px;" valign="bottom"> </td> <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 4px;" valign="bottom"> </td> <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; white-space: nowrap;" valign="bottom"> </td> <td colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;" valign="bottom"> </td> <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px;" valign="bottom"> </td> <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 4px;" valign="bottom"> </td> <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; white-space: nowrap;" valign="bottom"> </td> <td colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;" valign="bottom"> </td> <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px;" valign="bottom"> </td> <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 4px;" valign="bottom"> </td> <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; white-space: nowrap;" valign="bottom"> </td> <td colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;" valign="bottom"> </td> <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px;" valign="bottom"> </td> <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 4px;" valign="bottom"> </td> <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; white-space: nowrap;" valign="bottom"> </td> <td colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px;" valign="bottom"> </td> <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);" valign="bottom"> <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">$</div> </td> <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);" valign="bottom"> <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">18,043</div> </td> <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; white-space: nowrap;" valign="bottom"> </td> </tr> </table> <div><br/> </div> <table border="0" cellpadding="0" cellspacing="0" class="cfttable" style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-align: left; width: 100%;"> <tr> <td rowspan="1" style="vertical-align: middle; width: 40%;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: center; vertical-align: bottom; width: 1%;" valign="bottom"> </td> <td colspan="18" rowspan="1" style="text-align: center; vertical-align: bottom; width: 1%;" valign="bottom">Remaining Contractual Maturity of the Agreements</td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" valign="bottom"> </td> </tr> <tr> <td rowspan="1" style="vertical-align: middle; width: 40%;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: center; vertical-align: bottom; width: 1%;" valign="bottom"> </td> <td colspan="2" rowspan="1" style="text-align: center; vertical-align: bottom; width: 1%;" valign="bottom">Overnight and</td> <td colspan="1" rowspan="1" style="text-align: center; vertical-align: bottom; width: 1%; white-space: nowrap;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: center; vertical-align: bottom; width: 1%;" valign="bottom"> </td> <td colspan="2" rowspan="1" style="text-align: center; vertical-align: bottom; width: 1%;" valign="bottom">Up to</td> <td colspan="1" rowspan="1" style="text-align: center; vertical-align: bottom; width: 1%; white-space: nowrap;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: center; vertical-align: bottom; width: 1%;" valign="bottom"> </td> <td colspan="2" rowspan="1" style="text-align: center; vertical-align: bottom; width: 1%;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: center; vertical-align: bottom; width: 1%; white-space: nowrap;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: center; vertical-align: bottom; width: 1%;" valign="bottom"> </td> <td colspan="2" rowspan="1" style="text-align: center; vertical-align: bottom; width: 1%;" valign="bottom">Greater than</td> <td colspan="1" rowspan="1" style="text-align: center; vertical-align: bottom; width: 1%; white-space: nowrap;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: center; vertical-align: bottom; width: 1%;" valign="bottom"> </td> <td colspan="2" rowspan="1" style="text-align: center; vertical-align: bottom; width: 1%;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" valign="bottom"> </td> </tr> <tr> <td rowspan="1" style="vertical-align: middle; width: 40%; padding-bottom: 2px;" valign="bottom">2022</td> <td colspan="1" rowspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px;" valign="bottom"> </td> <td colspan="2" rowspan="1" style="text-align: center; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom"> Continuous</td> <td colspan="1" rowspan="1" style="text-align: center; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); white-space: nowrap;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: center; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom"> </td> <td colspan="2" rowspan="1" style="text-align: center; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom"> 30 Days</td> <td colspan="1" rowspan="1" style="text-align: center; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); white-space: nowrap;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: center; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom"> </td> <td colspan="2" rowspan="1" style="text-align: center; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom"> 30 - 90 Days</td> <td colspan="1" rowspan="1" style="text-align: center; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); white-space: nowrap;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: center; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom"> </td> <td colspan="2" rowspan="1" style="text-align: center; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom"> 90 days</td> <td colspan="1" rowspan="1" style="text-align: center; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); white-space: nowrap;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: center; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom"> </td> <td colspan="2" rowspan="1" style="text-align: center; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom"> Total</td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;" valign="bottom"> </td> </tr> <tr> <td rowspan="1" style="vertical-align: middle; text-indent: -9pt; width: 40%; background-color: rgb(204, 238, 255);" valign="bottom"> <div style="margin-left: 9pt;">Repurchase Agreements:</div> </td> <td colspan="1" rowspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" valign="bottom"> </td> <td colspan="2" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" valign="bottom">  </td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); white-space: nowrap;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" valign="bottom"> </td> <td colspan="2" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" valign="bottom">  </td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); white-space: nowrap;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" valign="bottom"> </td> <td colspan="2" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" valign="bottom">  </td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); white-space: nowrap;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" valign="bottom"> </td> <td colspan="2" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" valign="bottom">  </td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); white-space: nowrap;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" valign="bottom"> </td> <td colspan="2" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" valign="bottom">  </td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); white-space: nowrap;" valign="bottom"> </td> </tr> <tr> <td rowspan="1" style="vertical-align: middle; text-indent: -9pt; width: 40%; padding-bottom: 2px;" valign="bottom"> <div style="margin-left: 9pt;">U.S. agency securities</div> </td> <td colspan="1" rowspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 2px;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">$</td> <td colspan="1" rowspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">20,371</td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); white-space: nowrap;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">$ <br/> </td> <td colspan="1" rowspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">-</td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); white-space: nowrap;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">$</td> <td colspan="1" rowspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">-</td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); white-space: nowrap;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">$</td> <td colspan="1" rowspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">-</td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); white-space: nowrap;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">$</td> <td colspan="1" rowspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">20,371</td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;" valign="bottom"> </td> </tr> <tr> <td rowspan="1" style="vertical-align: middle; text-indent: -9pt; width: 40%; padding-bottom: 4px; background-color: rgb(204, 238, 255);" valign="bottom"> <div style="margin-left: 9pt;">Total carrying value of collateral pledged</div> </td> <td colspan="1" rowspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">$</td> <td colspan="1" rowspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">20,371</td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255); white-space: nowrap;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">$ <br/> </td> <td colspan="1" rowspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">-</td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255); white-space: nowrap;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">$</td> <td colspan="1" rowspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">-</td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255); white-space: nowrap;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">$</td> <td colspan="1" rowspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">-</td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255); white-space: nowrap;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">$</td> <td colspan="1" rowspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">20,371</td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 4px; white-space: nowrap;" valign="bottom"> </td> </tr> <tr> <td rowspan="1" style="vertical-align: middle; text-indent: -9pt; width: 40%;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: right; vertical-align: bottom; width: 1%;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="vertical-align: bottom; text-align: right; width: 9%;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: right; vertical-align: bottom; width: 1%;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="vertical-align: bottom; text-align: right; width: 9%;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: right; vertical-align: bottom; width: 1%;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="vertical-align: bottom; text-align: right; width: 9%;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: right; vertical-align: bottom; width: 1%;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="vertical-align: bottom; text-align: right; width: 9%;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: right; vertical-align: bottom; width: 1%;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="vertical-align: bottom; text-align: right; width: 9%;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" valign="bottom"> </td> </tr> <tr> <td rowspan="1" style="vertical-align: middle; text-indent: -9pt; width: 40%; padding-bottom: 4px; background-color: rgb(204, 238, 255);" valign="bottom"> <div style="margin-left: 9pt;">Total liability recognized for repurchase agreements</div> </td> <td colspan="1" rowspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);" valign="bottom"> </td> <td colspan="1" rowspan="1" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 4px; background-color: rgb(204, 238, 255);" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255); white-space: nowrap;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);" valign="bottom"> </td> <td colspan="1" rowspan="1" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 4px; background-color: rgb(204, 238, 255);" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255); white-space: nowrap;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);" valign="bottom"> </td> <td colspan="1" rowspan="1" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 4px; background-color: rgb(204, 238, 255);" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255); white-space: nowrap;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);" valign="bottom"> </td> <td colspan="1" rowspan="1" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 4px; background-color: rgb(204, 238, 255);" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255); white-space: nowrap;" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: right; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);" valign="bottom"> </td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">$</td> <td colspan="1" rowspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">17,776</td> <td colspan="1" rowspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 4px; white-space: nowrap;" valign="bottom"> </td> </tr> </table>
CY2023Q4 us-gaap Property Plant And Equipment Gross
PropertyPlantAndEquipmentGross
39207000
CY2022Q4 us-gaap Property Plant And Equipment Gross
PropertyPlantAndEquipmentGross
34327000
CY2023Q4 us-gaap Accumulated Depreciation Depletion And Amortization Property Plant And Equipment
AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment
17823000
CY2022Q4 us-gaap Accumulated Depreciation Depletion And Amortization Property Plant And Equipment
AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment
16708000
CY2023Q4 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
21384000
CY2022Q4 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
17619000
CY2023 us-gaap Depreciation
Depreciation
1147000
CY2022 us-gaap Depreciation
Depreciation
877000
CY2021 us-gaap Depreciation
Depreciation
922000
CY2023Q4 us-gaap Finite Lived Intangible Assets Gross
FiniteLivedIntangibleAssetsGross
7170000
CY2023Q4 us-gaap Finite Lived Intangible Assets Accumulated Amortization
FiniteLivedIntangibleAssetsAccumulatedAmortization
3520000
CY2023Q4 us-gaap Finite Lived Intangible Assets Net
FiniteLivedIntangibleAssetsNet
3650000
CY2022Q4 us-gaap Finite Lived Intangible Assets Gross
FiniteLivedIntangibleAssetsGross
4279000
CY2022Q4 us-gaap Finite Lived Intangible Assets Accumulated Amortization
FiniteLivedIntangibleAssetsAccumulatedAmortization
3007000
CY2022Q4 us-gaap Finite Lived Intangible Assets Net
FiniteLivedIntangibleAssetsNet
1272000
CY2023Q4 us-gaap Goodwill
Goodwill
85758000
CY2023 us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
674000
CY2023Q4 us-gaap Finite Lived Intangible Assets Amortization Expense Next Twelve Months
FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths
844000
CY2023Q4 us-gaap Finite Lived Intangible Assets Amortization Expense Year Two
FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo
706000
CY2023Q4 us-gaap Finite Lived Intangible Assets Amortization Expense Year Three
FiniteLivedIntangibleAssetsAmortizationExpenseYearThree
572000
CY2023Q4 us-gaap Finite Lived Intangible Assets Amortization Expense Year Four
FiniteLivedIntangibleAssetsAmortizationExpenseYearFour
459000
CY2023Q4 us-gaap Finite Lived Intangible Assets Amortization Expense Year Five
FiniteLivedIntangibleAssetsAmortizationExpenseYearFive
355000
CY2023Q4 us-gaap Finite Lived Intangible Assets Amortization Expense After Year Five
FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFive
714000
CY2023Q4 us-gaap Finite Lived Intangible Assets Net
FiniteLivedIntangibleAssetsNet
3650000
CY2023Q4 us-gaap Federal Home Loan Bank Stock
FederalHomeLoanBankStock
14997000
CY2022Q4 us-gaap Federal Home Loan Bank Stock
FederalHomeLoanBankStock
10627000
CY2023Q4 czfs Federal Home Loan Bank Stock Par Value
FederalHomeLoanBankStockParValue
100
CY2023 dei Amendment Flag
AmendmentFlag
false
CY2023 dei Current Fiscal Year End Date
CurrentFiscalYearEndDate
--12-31
CY2023 dei Document Fiscal Year Focus
DocumentFiscalYearFocus
2023
CY2023 dei Document Fiscal Period Focus
DocumentFiscalPeriodFocus
FY
CY2023 dei Entity Central Index Key
EntityCentralIndexKey
0000739421
CY2023Q4 us-gaap Debt Securities Available For Sale Accrued Interest After Allowance For Credit Loss Statement Of Financial Position Extensible List
DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList
http://fasb.org/us-gaap/2023#InterestReceivable
CY2023Q4 us-gaap Debt Securities Available For Sale Accrued Interest After Allowance For Credit Loss Statement Of Financial Position Extensible List
DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList
http://fasb.org/us-gaap/2023#InterestReceivable
CY2023Q4 us-gaap Financing Receivable Accrued Interest After Allowance For Credit Loss Statement Of Financial Position Extensible List
FinancingReceivableAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList
http://fasb.org/us-gaap/2023#InterestReceivable
CY2023 czfs Number Of Preceding Years Retained Net Income Used For Restrictions On Dividend Declaration
NumberOfPrecedingYearsRetainedNetIncomeUsedForRestrictionsOnDividendDeclaration
P2Y
CY2022Q4 us-gaap Operating Lease Right Of Use Asset Statement Of Financial Position Extensible List
OperatingLeaseRightOfUseAssetStatementOfFinancialPositionExtensibleList
http://fasb.org/us-gaap/2023#OtherAssets
CY2023Q4 us-gaap Operating Lease Right Of Use Asset Statement Of Financial Position Extensible List
OperatingLeaseRightOfUseAssetStatementOfFinancialPositionExtensibleList
http://fasb.org/us-gaap/2023#OtherAssets
CY2022Q4 us-gaap Operating Lease Liability Statement Of Financial Position Extensible List
OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList
http://fasb.org/us-gaap/2023#OtherLiabilities
CY2023Q4 us-gaap Operating Lease Liability Statement Of Financial Position Extensible List
OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList
http://fasb.org/us-gaap/2023#OtherLiabilities
CY2023Q4 us-gaap Operating Lease Liability Statement Of Financial Position Extensible List
OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList
http://fasb.org/us-gaap/2023#OtherLiabilities
CY2023 dei Auditor Firm
AuditorFirmId
74
CY2023 dei Document Type
DocumentType
10-K
CY2023 dei Document Annual Report
DocumentAnnualReport
true
CY2023 dei Document Period End Date
DocumentPeriodEndDate
2023-12-31
CY2023 dei Document Transition Report
DocumentTransitionReport
false
CY2023 dei Entity File Number
EntityFileNumber
000-13222
CY2023 dei Entity Registrant Name
EntityRegistrantName
CITIZENS FINANCIAL SERVICES, INC.
CY2023 dei Entity Incorporation State Country Code
EntityIncorporationStateCountryCode
PA
CY2023 dei Entity Tax Identification Number
EntityTaxIdentificationNumber
23-2265045
CY2023 dei Entity Address Address Line1
EntityAddressAddressLine1
15 South Main Street
CY2023 dei Entity Address City Or Town
EntityAddressCityOrTown
Mansfield
CY2023 dei Entity Address State Or Province
EntityAddressStateOrProvince
PA
CY2023 dei Entity Address Postal Zip Code
EntityAddressPostalZipCode
16933
CY2023 dei City Area Code
CityAreaCode
570
CY2023 dei Local Phone Number
LocalPhoneNumber
662-2121
CY2023 dei Security12b Title
Security12bTitle
Common Stock, Par value $1.0 per share
CY2023 dei Trading Symbol
TradingSymbol
CZFS
CY2023 dei Security Exchange Name
SecurityExchangeName
NASDAQ
CY2023 dei Entity Well Known Seasoned Issuer
EntityWellKnownSeasonedIssuer
No
CY2023 dei Entity Voluntary Filers
EntityVoluntaryFilers
No
CY2023 dei Entity Current Reporting Status
EntityCurrentReportingStatus
Yes
CY2023 dei Entity Interactive Data Current
EntityInteractiveDataCurrent
Yes
CY2023 dei Entity Filer Category
EntityFilerCategory
Non-accelerated Filer
CY2023 dei Entity Small Business
EntitySmallBusiness
true
CY2023 dei Entity Emerging Growth Company
EntityEmergingGrowthCompany
false
CY2023 dei Icfr Auditor Attestation Flag
IcfrAuditorAttestationFlag
false
CY2023 dei Document Fin Stmt Error Correction Flag
DocumentFinStmtErrorCorrectionFlag
false
CY2023 dei Entity Shell Company
EntityShellCompany
false
CY2023Q2 dei Entity Public Float
EntityPublicFloat
330697000
CY2024Q1 dei Entity Common Stock Shares Outstanding
EntityCommonStockSharesOutstanding
4706994
CY2023Q4 us-gaap Cash And Due From Banks
CashAndDueFromBanks
37733000
CY2022Q4 us-gaap Cash And Due From Banks
CashAndDueFromBanks
24814000
CY2023Q4 us-gaap Interest Bearing Deposits In Banks
InterestBearingDepositsInBanks
15085000
CY2022Q4 us-gaap Interest Bearing Deposits In Banks
InterestBearingDepositsInBanks
1397000
CY2023Q4 us-gaap Cash And Cash Equivalents At Carrying Value
CashAndCashEquivalentsAtCarryingValue
52818000
CY2022Q4 us-gaap Cash And Cash Equivalents At Carrying Value
CashAndCashEquivalentsAtCarryingValue
26211000
CY2023Q4 czfs Interest Bearing Time Deposits With Other Banks
InterestBearingTimeDepositsWithOtherBanks
4070000
CY2022Q4 czfs Interest Bearing Time Deposits With Other Banks
InterestBearingTimeDepositsWithOtherBanks
6055000
CY2023Q4 us-gaap Marketable Securities
MarketableSecurities
1938000
CY2022Q4 us-gaap Marketable Securities
MarketableSecurities
2208000
CY2023Q4 us-gaap Debt Securities Available For Sale Allowance For Credit Loss
DebtSecuritiesAvailableForSaleAllowanceForCreditLoss
0
CY2023Q4 us-gaap Available For Sale Securities Debt Securities
AvailableForSaleSecuritiesDebtSecurities
417601000
CY2022Q4 us-gaap Available For Sale Securities Debt Securities
AvailableForSaleSecuritiesDebtSecurities
439506000
CY2023Q4 us-gaap Loans Receivable Held For Sale Amount
LoansReceivableHeldForSaleAmount
9379000
CY2022Q4 us-gaap Loans Receivable Held For Sale Amount
LoansReceivableHeldForSaleAmount
725000
CY2023Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
21153000
CY2022Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
18552000
CY2023Q4 us-gaap Notes Receivable Net
NotesReceivableNet
2227683000
CY2022Q4 us-gaap Notes Receivable Net
NotesReceivableNet
1706447000
CY2023Q4 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
21384000
CY2022Q4 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
17619000
CY2023Q4 us-gaap Interest Receivable
InterestReceivable
11043000
CY2022Q4 us-gaap Interest Receivable
InterestReceivable
7332000
CY2023Q4 us-gaap Goodwill
Goodwill
85758000
CY2022Q4 us-gaap Goodwill
Goodwill
31376000
CY2023Q4 us-gaap Bank Owned Life Insurance
BankOwnedLifeInsurance
49897000
CY2022Q4 us-gaap Bank Owned Life Insurance
BankOwnedLifeInsurance
39355000
CY2023Q4 us-gaap Intangible Assets Net Excluding Goodwill
IntangibleAssetsNetExcludingGoodwill
3650000
CY2022Q4 us-gaap Intangible Assets Net Excluding Goodwill
IntangibleAssetsNetExcludingGoodwill
1272000
CY2023Q4 us-gaap Derivative Assets
DerivativeAssets
13687000
CY2022Q4 us-gaap Derivative Assets
DerivativeAssets
16599000
CY2023Q4 us-gaap Treasury Stock Value
TreasuryStockValue
16792000
CY2022Q4 us-gaap Treasury Stock Value
TreasuryStockValue
16973000
CY2023Q4 us-gaap Stockholders Equity
StockholdersEquity
279666000
CY2022Q4 us-gaap Stockholders Equity
StockholdersEquity
200147000
CY2023Q4 us-gaap Liabilities And Stockholders Equity
LiabilitiesAndStockholdersEquity
2975321000
CY2023Q4 us-gaap Deferred Income Tax Assets Net
DeferredIncomeTaxAssetsNet
17339000
CY2022Q4 us-gaap Deferred Income Tax Assets Net
DeferredIncomeTaxAssetsNet
12886000
CY2023Q4 us-gaap Other Assets
OtherAssets
59074000
CY2022Q4 us-gaap Other Assets
OtherAssets
25802000
CY2023Q4 us-gaap Assets
Assets
2975321000
CY2022Q4 us-gaap Assets
Assets
2333393000
CY2023Q4 us-gaap Noninterest Bearing Deposit Liabilities
NoninterestBearingDepositLiabilities
523784000
CY2022Q4 us-gaap Noninterest Bearing Deposit Liabilities
NoninterestBearingDepositLiabilities
396260000
CY2023Q4 us-gaap Interest Bearing Deposit Liabilities
InterestBearingDepositLiabilities
1797697000
CY2022Q4 us-gaap Interest Bearing Deposit Liabilities
InterestBearingDepositLiabilities
1447948000
CY2023Q4 us-gaap Deposits
Deposits
2321481000
CY2022Q4 us-gaap Deposits
Deposits
1844208000
CY2023Q4 us-gaap Debt And Capital Lease Obligations
DebtAndCapitalLeaseObligations
322036000
CY2022Q4 us-gaap Debt And Capital Lease Obligations
DebtAndCapitalLeaseObligations
257278000
CY2023Q4 us-gaap Interest Payable Current And Noncurrent
InterestPayableCurrentAndNoncurrent
4298000
CY2022Q4 us-gaap Interest Payable Current And Noncurrent
InterestPayableCurrentAndNoncurrent
1232000
CY2023Q4 us-gaap Derivative Liabilities
DerivativeLiabilities
7922000
CY2022Q4 us-gaap Derivative Liabilities
DerivativeLiabilities
9726000
CY2023Q4 us-gaap Other Liabilities
OtherLiabilities
39918000
CY2022Q4 us-gaap Other Liabilities
OtherLiabilities
20802000
CY2023Q4 us-gaap Liabilities
Liabilities
2695655000
CY2022Q4 us-gaap Liabilities
Liabilities
2133246000
CY2023Q4 us-gaap Preferred Stock Par Or Stated Value Per Share
PreferredStockParOrStatedValuePerShare
1
CY2022Q4 us-gaap Preferred Stock Par Or Stated Value Per Share
PreferredStockParOrStatedValuePerShare
1
CY2022Q4 us-gaap Preferred Stock Shares Authorized
PreferredStockSharesAuthorized
3000000
CY2023Q4 us-gaap Preferred Stock Shares Authorized
PreferredStockSharesAuthorized
3000000
CY2023Q4 us-gaap Preferred Stock Shares Issued
PreferredStockSharesIssued
0
CY2022Q4 us-gaap Preferred Stock Shares Issued
PreferredStockSharesIssued
0
CY2023Q4 us-gaap Preferred Stock Value
PreferredStockValue
0
CY2022Q4 us-gaap Preferred Stock Value
PreferredStockValue
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CY2023Q4 us-gaap Common Stock Par Or Stated Value Per Share
CommonStockParOrStatedValuePerShare
1
CY2022Q4 us-gaap Common Stock Par Or Stated Value Per Share
CommonStockParOrStatedValuePerShare
1
CY2023Q4 us-gaap Common Stock Shares Authorized
CommonStockSharesAuthorized
25000000
CY2022Q4 us-gaap Common Stock Shares Authorized
CommonStockSharesAuthorized
25000000
CY2023Q4 us-gaap Common Stock Shares Issued
CommonStockSharesIssued
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CY2022Q4 us-gaap Common Stock Shares Issued
CommonStockSharesIssued
4427687
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CommonStockValue
5161000
CY2022Q4 us-gaap Common Stock Value
CommonStockValue
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80911000
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453760
CY2022Q4 us-gaap Treasury Stock Common Shares
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456478
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2333393000
CY2023 us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
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InterestAndFeeIncomeLoansAndLeases
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InterestAndFeeIncomeLoansAndLeases
66371000
CY2023 us-gaap Interest Income Domestic Deposits
InterestIncomeDomesticDeposits
736000
CY2022 us-gaap Interest Income Domestic Deposits
InterestIncomeDomesticDeposits
400000
CY2021 us-gaap Interest Income Domestic Deposits
InterestIncomeDomesticDeposits
447000
CY2023 us-gaap Interest Income Securities Taxable
InterestIncomeSecuritiesTaxable
6636000
CY2022 us-gaap Interest Income Securities Taxable
InterestIncomeSecuritiesTaxable
5615000
CY2021 us-gaap Interest Income Securities Taxable
InterestIncomeSecuritiesTaxable
3820000
CY2023 us-gaap Interest Income Securities Tax Exempt
InterestIncomeSecuritiesTaxExempt
2264000
CY2022 us-gaap Interest Income Securities Tax Exempt
InterestIncomeSecuritiesTaxExempt
2454000
CY2021 us-gaap Interest Income Securities Tax Exempt
InterestIncomeSecuritiesTaxExempt
2201000
CY2023 us-gaap Dividend Income Operating
DividendIncomeOperating
1407000
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DividendIncomeOperating
623000
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DividendIncomeOperating
378000
CY2023 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
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InterestAndDividendIncomeOperating
83357000
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InterestAndDividendIncomeOperating
73217000
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InterestExpenseDeposits
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InterestExpenseDeposits
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InterestExpenseDeposits
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InterestExpenseBorrowings
15159000
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InterestExpenseBorrowings
3907000
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InterestExpenseBorrowings
1268000
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InterestExpense
46858000
CY2022 us-gaap Interest Expense
InterestExpense
11223000
CY2021 us-gaap Interest Expense
InterestExpense
7105000
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InterestIncomeExpenseNet
80260000
CY2022 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
72134000
CY2021 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
66112000
CY2023 czfs Provision For Loan And Lease Losses Non Acquisition
ProvisionForLoanAndLeaseLossesNonAcquisition
937000
CY2022 czfs Provision For Loan And Lease Losses Non Acquisition
ProvisionForLoanAndLeaseLossesNonAcquisition
1683000
CY2021 czfs Provision For Loan And Lease Losses Non Acquisition
ProvisionForLoanAndLeaseLossesNonAcquisition
1550000
CY2023 czfs Provision For Loan And Lease Losses Non Purchase Credit Deteriorated
ProvisionForLoanAndLeaseLossesNonPurchaseCreditDeteriorated
4591000
CY2022 czfs Provision For Loan And Lease Losses Non Purchase Credit Deteriorated
ProvisionForLoanAndLeaseLossesNonPurchaseCreditDeteriorated
0
CY2021 czfs Provision For Loan And Lease Losses Non Purchase Credit Deteriorated
ProvisionForLoanAndLeaseLossesNonPurchaseCreditDeteriorated
0
CY2023 us-gaap Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
74732000
CY2022 us-gaap Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
70451000
CY2021 us-gaap Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
64562000
CY2023 czfs Service Charges On Deposit Accounts
ServiceChargesOnDepositAccounts
5639000
CY2022 czfs Service Charges On Deposit Accounts
ServiceChargesOnDepositAccounts
5346000
CY2021 czfs Service Charges On Deposit Accounts
ServiceChargesOnDepositAccounts
4755000
CY2023 czfs Trust Fees
TrustFees
764000
CY2022 czfs Trust Fees
TrustFees
803000
CY2021 czfs Trust Fees
TrustFees
865000
CY2023 us-gaap Investment Banking Advisory Brokerage And Underwriting Fees And Commissions
InvestmentBankingAdvisoryBrokerageAndUnderwritingFeesAndCommissions
1924000
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
CY2023 us-gaap Equity Securities Fv Ni Unrealized Gain Loss
EquitySecuritiesFvNiUnrealizedGainLoss
-144000
CY2022 us-gaap Equity Securities Fv Ni Unrealized Gain Loss
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PaymentsToAcquireAvailableForSaleSecuritiesDebt
117913000
CY2021 us-gaap Payments To Acquire Available For Sale Securities Debt
PaymentsToAcquireAvailableForSaleSecuritiesDebt
211218000
CY2023 us-gaap Payments To Acquire Marketable Securities
PaymentsToAcquireMarketableSecurities
0
CY2022 us-gaap Payments To Acquire Marketable Securities
PaymentsToAcquireMarketableSecurities
218000
CY2021 us-gaap Payments To Acquire Marketable Securities
PaymentsToAcquireMarketableSecurities
0
CY2023 us-gaap Proceeds From Sale And Maturity Of Marketable Securities
ProceedsFromSaleAndMaturityOfMarketableSecurities
127000
CY2022 us-gaap Proceeds From Sale And Maturity Of Marketable Securities
ProceedsFromSaleAndMaturityOfMarketableSecurities
33000
CY2021 us-gaap Proceeds From Sale And Maturity Of Marketable Securities
ProceedsFromSaleAndMaturityOfMarketableSecurities
0
CY2023 us-gaap Proceeds From Sale Of Federal Home Loan Bank Stock
ProceedsFromSaleOfFederalHomeLoanBankStock
24915000
CY2022 us-gaap Proceeds From Sale Of Federal Home Loan Bank Stock
ProceedsFromSaleOfFederalHomeLoanBankStock
7770000
CY2021 us-gaap Proceeds From Sale Of Federal Home Loan Bank Stock
ProceedsFromSaleOfFederalHomeLoanBankStock
4989000
CY2023 us-gaap Payments To Acquire Federal Home Loan Bank Stock
PaymentsToAcquireFederalHomeLoanBankStock
29127000
CY2022 us-gaap Payments To Acquire Federal Home Loan Bank Stock
PaymentsToAcquireFederalHomeLoanBankStock
15105000
CY2021 us-gaap Payments To Acquire Federal Home Loan Bank Stock
PaymentsToAcquireFederalHomeLoanBankStock
3688000
CY2023 us-gaap Payments For Proceeds From Loans And Leases
PaymentsForProceedsFromLoansAndLeases
43951000
CY2022 us-gaap Payments For Proceeds From Loans And Leases
PaymentsForProceedsFromLoansAndLeases
281389000
CY2021 us-gaap Payments For Proceeds From Loans And Leases
PaymentsForProceedsFromLoansAndLeases
32111000
CY2023 czfs Payments To Acquire Interest Bearing Time Deposits In Other Banks
PaymentsToAcquireInterestBearingTimeDepositsInOtherBanks
100000
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
CY2023 czfs Proceeds From Matured Interest Bearing Time Deposits With Other Banks
ProceedsFromMaturedInterestBearingTimeDepositsWithOtherBanks
2085000
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
CY2023 us-gaap Proceeds From Payments For In Interest Bearing Deposits In Banks
ProceedsFromPaymentsForInInterestBearingDepositsInBanks
0
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
CY2023 us-gaap Payments To Acquire Life Insurance Policies
PaymentsToAcquireLifeInsurancePolicies
0
CY2022 us-gaap Payments To Acquire Life Insurance Policies
PaymentsToAcquireLifeInsurancePolicies
0
CY2021 us-gaap Payments To Acquire Life Insurance Policies
PaymentsToAcquireLifeInsurancePolicies
7800000
CY2023 us-gaap Payments To Acquire Productive Assets
PaymentsToAcquireProductiveAssets
2617000
CY2022 us-gaap Payments To Acquire Productive Assets
PaymentsToAcquireProductiveAssets
1634000
CY2021 us-gaap Payments To Acquire Productive Assets
PaymentsToAcquireProductiveAssets
1105000
CY2023 us-gaap Proceeds From Life Insurance Policies
ProceedsFromLifeInsurancePolicies
1098000
CY2022 us-gaap Proceeds From Life Insurance Policies
ProceedsFromLifeInsurancePolicies
0
CY2021 us-gaap Proceeds From Life Insurance Policies
ProceedsFromLifeInsurancePolicies
3714000
CY2023 czfs Investments In Low Income Housing Partnerships
InvestmentsInLowIncomeHousingPartnerships
1470000
CY2022 czfs Investments In Low Income Housing Partnerships
InvestmentsInLowIncomeHousingPartnerships
1123000
CY2023 us-gaap Proceeds From Sale Of Foreclosed Assets
ProceedsFromSaleOfForeclosedAssets
335000
CY2022 us-gaap Proceeds From Sale Of Foreclosed Assets
ProceedsFromSaleOfForeclosedAssets
1126000
CY2021 us-gaap Proceeds From Sale Of Foreclosed Assets
ProceedsFromSaleOfForeclosedAssets
1537000
CY2023 us-gaap Payments To Acquire Businesses Net Of Cash Acquired
PaymentsToAcquireBusinessesNetOfCashAcquired
-4905000
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
CY2023 us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
59465000
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
CY2023 us-gaap Increase Decrease In Deposits
IncreaseDecreaseInDeposits
-56092000
CY2022 us-gaap Increase Decrease In Deposits
IncreaseDecreaseInDeposits
8057000
CY2021 us-gaap Increase Decrease In Deposits
IncreaseDecreaseInDeposits
247293000
CY2023 us-gaap Proceeds From Issuance Of Long Term Debt
ProceedsFromIssuanceOfLongTermDebt
40000000
CY2022 us-gaap Proceeds From Issuance Of Long Term Debt
ProceedsFromIssuanceOfLongTermDebt
0
CY2021 us-gaap Proceeds From Issuance Of Long Term Debt
ProceedsFromIssuanceOfLongTermDebt
9869000
CY2023 us-gaap Repayments Of Long Term Debt
RepaymentsOfLongTermDebt
0
CY2022 us-gaap Repayments Of Long Term Debt
RepaymentsOfLongTermDebt
4725000
CY2021 us-gaap Repayments Of Long Term Debt
RepaymentsOfLongTermDebt
26800000
CY2023 us-gaap Proceeds From Repayments Of Short Term Debt
ProceedsFromRepaymentsOfShortTermDebt
-34569000
CY2022 us-gaap Proceeds From Repayments Of Short Term Debt
ProceedsFromRepaymentsOfShortTermDebt
188013000
CY2021 us-gaap Proceeds From Repayments Of Short Term Debt
ProceedsFromRepaymentsOfShortTermDebt
2060000
CY2023 us-gaap Payments For Repurchase Of Common Stock
PaymentsForRepurchaseOfCommonStock
265000
CY2022 us-gaap Payments For Repurchase Of Common Stock
PaymentsForRepurchaseOfCommonStock
1279000
CY2021 us-gaap Payments For Repurchase Of Common Stock
PaymentsForRepurchaseOfCommonStock
1374000
CY2023 us-gaap Proceeds From Sale Of Treasury Stock
ProceedsFromSaleOfTreasuryStock
34000
CY2022 us-gaap Proceeds From Sale Of Treasury Stock
ProceedsFromSaleOfTreasuryStock
112000
CY2021 us-gaap Proceeds From Sale Of Treasury Stock
ProceedsFromSaleOfTreasuryStock
0
CY2023 us-gaap Payments Of Dividends Common Stock
PaymentsOfDividendsCommonStock
8503000
CY2022 us-gaap Payments Of Dividends Common Stock
PaymentsOfDividendsCommonStock
7588000
CY2021 us-gaap Payments Of Dividends Common Stock
PaymentsOfDividendsCommonStock
7383000
CY2023 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
-59395000
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
CY2023 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect
26607000
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
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
CY2023Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
52818000
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
CY2023 us-gaap Interest Paid Net
InterestPaidNet
44677000
CY2022 us-gaap Interest Paid Net
InterestPaidNet
10703000
CY2021 us-gaap Interest Paid Net
InterestPaidNet
7411000
CY2023 us-gaap Income Taxes Paid
IncomeTaxesPaid
5100000
CY2022 us-gaap Income Taxes Paid
IncomeTaxesPaid
6600000
CY2021 us-gaap Income Taxes Paid
IncomeTaxesPaid
5500000
CY2023 us-gaap Dividends Paidinkind
DividendsPaidinkind
3021000
CY2022 us-gaap Dividends Paidinkind
DividendsPaidinkind
2560000
CY2021 us-gaap Dividends Paidinkind
DividendsPaidinkind
2352000
CY2023 us-gaap Fair Value Of Assets Acquired
FairValueOfAssetsAcquired
147000
CY2022 us-gaap Fair Value Of Assets Acquired
FairValueOfAssetsAcquired
61000
CY2021 us-gaap Fair Value Of Assets Acquired
FairValueOfAssetsAcquired
906000
CY2023 czfs Investments Matured And Not Settled Included In Other Assets
InvestmentsMaturedAndNotSettledIncludedInOtherAssets
8000000
CY2022 czfs Investments Matured And Not Settled Included In Other Assets
InvestmentsMaturedAndNotSettledIncludedInOtherAssets
0
CY2021 czfs Investments Matured And Not Settled Included In Other Assets
InvestmentsMaturedAndNotSettledIncludedInOtherAssets
0
CY2023 czfs Investments In Low Income Housing Included In Other Assets And Liabilities
InvestmentsInLowIncomeHousingIncludedInOtherAssetsAndLiabilities
6530000
CY2022 czfs Investments In Low Income Housing Included In Other Assets And Liabilities
InvestmentsInLowIncomeHousingIncludedInOtherAssetsAndLiabilities
0
CY2021 czfs Investments In Low Income Housing Included In Other Assets And Liabilities
InvestmentsInLowIncomeHousingIncludedInOtherAssetsAndLiabilities
0
CY2023 us-gaap Right Of Use Asset Obtained In Exchange For Operating Lease Liability
RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability
28000
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
CY2023 czfs Current Expected Credit Losses Adjustment
CurrentExpectedCreditLossesAdjustment
3300000
CY2022 czfs Current Expected Credit Losses Adjustment
CurrentExpectedCreditLossesAdjustment
0
CY2021 czfs Current Expected Credit Losses Adjustment
CurrentExpectedCreditLossesAdjustment
0
CY2023 czfs Number Of Full Service Banking Offices
NumberOfFullServiceBankingOffices
39
CY2023 czfs Number Of Mortgage Centers Acquired
NumberOfMortgageCentersAcquired
4
CY2023 us-gaap Use Of Estimates
UseOfEstimates
<div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt; font-style: italic; font-weight: bold;">Use of Estimates</div> <div><br/> </div> <div style="display:none;"><br/></div> <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 18pt;">In preparing the financial statements, management makes estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses for the period. Actual results could differ significantly from those estimates. Material estimates that are particularly susceptible to significant change relate to determination of the allowance for credit<span style="font-size: 10pt; font-family: 'Times New Roman';"> losses, goodwill, derivatives, pension</span> plans and deferred tax assets and liabilities.</div>
CY2023 us-gaap Number Of Operating Segments
NumberOfOperatingSegments
1
CY2023 czfs Interest Earning Deposits Maturity Maximum For Inclusion As Cash Equivalents
InterestEarningDepositsMaturityMaximumForInclusionAsCashEquivalents
P90D
CY2023Q4 czfs Number Of Classifications Of Investment Securities
NumberOfClassificationsOfInvestmentSecurities
3
CY2023Q4 us-gaap Held To Maturity Securities
HeldToMaturitySecurities
0
CY2022Q4 us-gaap Held To Maturity Securities
HeldToMaturitySecurities
0
CY2022Q4 us-gaap Trading Securities
TradingSecurities
0
CY2023Q4 us-gaap Trading Securities
TradingSecurities
0
CY2023Q4 us-gaap Debt Securities Available For Sale Accrued Interest After Allowance For Credit Loss
DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss
2202000
CY2023 czfs Number Of Days Past Due
NumberOfDaysPastDue
P90D
CY2023Q4 us-gaap Financing Receivable Accrued Interest After Allowance For Credit Loss
FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss
8512000
CY2023Q4 us-gaap Off Balance Sheet Credit Loss Liability
OffBalanceSheetCreditLossLiability
1265000
CY2022Q4 us-gaap Off Balance Sheet Credit Loss Liability
OffBalanceSheetCreditLossLiability
165000
CY2022 us-gaap Goodwill Impairment Loss
GoodwillImpairmentLoss
0
CY2023 us-gaap Goodwill Impairment Loss
GoodwillImpairmentLoss
0
CY2021 us-gaap Goodwill Impairment Loss
GoodwillImpairmentLoss
0
CY2023 czfs Benefit In Excess Of The Cash Surrender Value
BenefitInExcessOfTheCashSurrenderValue
0.50
CY2023Q4 us-gaap Defined Benefit Pension Plan Current And Noncurrent Liabilities
DefinedBenefitPensionPlanCurrentAndNoncurrentLiabilities
610000
CY2022Q4 us-gaap Defined Benefit Pension Plan Current And Noncurrent Liabilities
DefinedBenefitPensionPlanCurrentAndNoncurrentLiabilities
660000
CY2023Q4 czfs Expenses Benefit Associated With Split Dollar Benefit
ExpensesBenefitAssociatedWithSplitDollarBenefit
-50000
CY2022Q4 czfs Expenses Benefit Associated With Split Dollar Benefit
ExpensesBenefitAssociatedWithSplitDollarBenefit
-36000
CY2021Q4 czfs Expenses Benefit Associated With Split Dollar Benefit
ExpensesBenefitAssociatedWithSplitDollarBenefit
9000
CY2023 czfs Number Of Types Of Derivatives
NumberOfTypesOfDerivatives
3
CY2023 us-gaap Marketing And Advertising Expense
MarketingAndAdvertisingExpense
952000
CY2022 us-gaap Marketing And Advertising Expense
MarketingAndAdvertisingExpense
970000
CY2021 us-gaap Marketing And Advertising Expense
MarketingAndAdvertisingExpense
838000
CY2022Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
18552000
CY2022Q4 us-gaap Off Balance Sheet Credit Loss Liability
OffBalanceSheetCreditLossLiability
165000
CY2023 us-gaap Net Income Loss
NetIncomeLoss
17811000
CY2022 us-gaap Net Income Loss
NetIncomeLoss
29060000
CY2021 us-gaap Net Income Loss
NetIncomeLoss
29118000
CY2023 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
4382573
CY2022 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
4008931
CY2021 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
4023294
CY2023 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
4.06
CY2022 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
7.25
CY2021 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
7.24
CY2023 us-gaap Net Income Loss
NetIncomeLoss
17811000
CY2022 us-gaap Net Income Loss
NetIncomeLoss
29060000
CY2021 us-gaap Net Income Loss
NetIncomeLoss
29118000
CY2023 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
4382573
CY2022 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
4008931
CY2021 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
4023294
CY2023 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
0
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
CY2023 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
4382573
CY2022 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
4008931
CY2021 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
4023294
CY2023 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
4.06
CY2022 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
7.25
CY2021 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
7.24
CY2023 us-gaap Prior Period Reclassification Adjustment Description
PriorPeriodReclassificationAdjustmentDescription
<div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-style: italic; font-weight: bold;">Reclassification</div> <div><br/> </div> <div style="display:none;"><br/></div> <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 18pt;">Certain of the prior year amounts have been reclassified to conform to the current year presentation. Such reclassifications had no material effect on net income or stockholders’ equity.</div>
CY2023 us-gaap Business Combination Acquisition Related Costs
BusinessCombinationAcquisitionRelatedCosts
9269000
CY2023 czfs Trust Fees
TrustFees
764000
CY2022 czfs Trust Fees
TrustFees
803000
CY2021 czfs Trust Fees
TrustFees
865000
CY2023 us-gaap Investment Banking Advisory Brokerage And Underwriting Fees And Commissions
InvestmentBankingAdvisoryBrokerageAndUnderwritingFeesAndCommissions
1924000
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
CY2023 czfs Revenue From Contract With Customer Other
RevenueFromContractWithCustomerOther
645000
CY2022 czfs Revenue From Contract With Customer Other
RevenueFromContractWithCustomerOther
543000
CY2021 czfs Revenue From Contract With Customer Other
RevenueFromContractWithCustomerOther
492000
CY2023 us-gaap Revenue From Contract With Customer Excluding Assessed Tax
RevenueFromContractWithCustomerExcludingAssessedTax
8972000
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
CY2023Q4 us-gaap Cash Fdic Insured Amount
CashFDICInsuredAmount
250000
CY2023Q4 us-gaap Available For Sale Debt Securities Amortized Cost Basis
AvailableForSaleDebtSecuritiesAmortizedCostBasis
453343000
CY2023Q4 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Gain Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax
285000
CY2023Q4 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax
36027000
CY2023Q4 us-gaap Debt Securities Available For Sale Allowance For Credit Loss
DebtSecuritiesAvailableForSaleAllowanceForCreditLoss
0
CY2023Q4 us-gaap Available For Sale Securities Debt Securities
AvailableForSaleSecuritiesDebtSecurities
417601000
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
CY2023Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer Number Of Positions
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions
323
CY2023Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months Number Of Positions
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions
5
CY2023Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months
10690000
CY2023Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
296000
CY2023Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger
392449000
CY2023Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
35731000
CY2023Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position
DebtSecuritiesAvailableForSaleUnrealizedLossPosition
403139000
CY2023Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss
DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss
36027000
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
CY2023Q4 us-gaap Debt Securities Available For Sale Allowance For Credit Loss
DebtSecuritiesAvailableForSaleAllowanceForCreditLoss
0
CY2023Q4 us-gaap Debt Securities Available For Sale Accrued Interest After Allowance For Credit Loss
DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss
2202000
CY2023 czfs Number Of Days Past Due
NumberOfDaysPastDue
P90D
CY2023 us-gaap Proceeds From Sale Of Available For Sale Securities Debt
ProceedsFromSaleOfAvailableForSaleSecuritiesDebt
86504000
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
CY2023 us-gaap Debt Securities Available For Sale Realized Gain Loss
DebtSecuritiesAvailableForSaleRealizedGainLoss
0
CY2023 us-gaap Debt Securities Available For Sale Realized Gain
DebtSecuritiesAvailableForSaleRealizedGain
38000
CY2022 us-gaap Debt Securities Available For Sale Realized Gain
DebtSecuritiesAvailableForSaleRealizedGain
0
CY2021 us-gaap Debt Securities Available For Sale Realized Gain
DebtSecuritiesAvailableForSaleRealizedGain
302000
CY2023 us-gaap Debt Securities Available For Sale Realized Loss
DebtSecuritiesAvailableForSaleRealizedLoss
89000
CY2022 us-gaap Debt Securities Available For Sale Realized Loss
DebtSecuritiesAvailableForSaleRealizedLoss
14000
CY2021 us-gaap Debt Securities Available For Sale Realized Loss
DebtSecuritiesAvailableForSaleRealizedLoss
90000
CY2023 us-gaap Debt Securities Available For Sale Gain Loss
DebtSecuritiesAvailableForSaleGainLoss
-51000
CY2022 us-gaap Debt Securities Available For Sale Gain Loss
DebtSecuritiesAvailableForSaleGainLoss
-14000
CY2021 us-gaap Debt Securities Available For Sale Gain Loss
DebtSecuritiesAvailableForSaleGainLoss
212000
CY2023 us-gaap Equity Securities Fv Ni Gain Loss
EquitySecuritiesFvNiGainLoss
-158000
CY2022 us-gaap Equity Securities Fv Ni Gain Loss
EquitySecuritiesFvNiGainLoss
-251000
CY2021 us-gaap Equity Securities Fv Ni Gain Loss
EquitySecuritiesFvNiGainLoss
339000
CY2023 us-gaap Equity Securities Fv Ni Realized Gain Loss
EquitySecuritiesFvNiRealizedGainLoss
-14000
CY2022 us-gaap Equity Securities Fv Ni Realized Gain Loss
EquitySecuritiesFvNiRealizedGainLoss
-4000
CY2021 us-gaap Equity Securities Fv Ni Realized Gain Loss
EquitySecuritiesFvNiRealizedGainLoss
0
CY2023 us-gaap Equity Securities Fv Ni Unrealized Gain Loss
EquitySecuritiesFvNiUnrealizedGainLoss
-144000
CY2022 us-gaap Equity Securities Fv Ni Unrealized Gain Loss
EquitySecuritiesFvNiUnrealizedGainLoss
-247000
CY2021 us-gaap Equity Securities Fv Ni Unrealized Gain Loss
EquitySecuritiesFvNiUnrealizedGainLoss
339000
CY2023Q4 us-gaap Available For Sale Securities Debt Maturities Within One Year Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost
46581000
CY2023Q4 us-gaap Available For Sale Securities Debt Maturities Within One Year Fair Value
AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue
45685000
CY2023Q4 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost
158502000
CY2023Q4 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue
147810000
CY2023Q4 us-gaap Available For Sale Securities Debt Maturities After Five Through Ten Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost
95534000
CY2023Q4 us-gaap Available For Sale Securities Debt Maturities After Five Through Ten Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue
86919000
CY2023Q4 us-gaap Available For Sale Securities Debt Maturities After Ten Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost
152726000
CY2023Q4 us-gaap Available For Sale Securities Debt Maturities After Ten Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue
137187000
CY2023Q4 us-gaap Available For Sale Debt Securities Amortized Cost Basis
AvailableForSaleDebtSecuritiesAmortizedCostBasis
453343000
CY2023Q4 us-gaap Available For Sale Securities Debt Securities
AvailableForSaleSecuritiesDebtSecurities
417601000
CY2023Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
2248836000
CY2022Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
1724999000
CY2023Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
21153000
CY2022Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
18552000
CY2023Q4 us-gaap Notes Receivable Net
NotesReceivableNet
2227683000
CY2022Q4 us-gaap Notes Receivable Net
NotesReceivableNet
1706447000
CY2023Q4 us-gaap Financing Receivable Unamortized Loan Fee Cost
FinancingReceivableUnamortizedLoanFeeCost
2843000
CY2022Q4 us-gaap Financing Receivable Unamortized Loan Fee Cost
FinancingReceivableUnamortizedLoanFeeCost
2573000
CY2023Q4 czfs Real Estate Loans Serviced For Freddie Mac And Fannie Mae
RealEstateLoansServicedForFreddieMacAndFannieMae
203709000
CY2022Q4 czfs Real Estate Loans Serviced For Freddie Mac And Fannie Mae
RealEstateLoansServicedForFreddieMacAndFannieMae
187754000
CY2023 czfs Real Estate Loans Sold To Freddie Mac And Fannie Mae Without Recourse
RealEstateLoansSoldToFreddieMacAndFannieMaeWithoutRecourse
193548000
CY2022 czfs Real Estate Loans Sold To Freddie Mac And Fannie Mae Without Recourse
RealEstateLoansSoldToFreddieMacAndFannieMaeWithoutRecourse
177575000
CY2023Q4 us-gaap Mortgage Loans On Real Estate
MortgageLoansOnRealEstate
10161000
CY2022Q4 us-gaap Mortgage Loans On Real Estate
MortgageLoansOnRealEstate
10179000
CY2023Q4 czfs Federal Home Loan Bank First Loss Position For Mpf Portfolio
FederalHomeLoanBankFirstLossPositionForMPFPortfolio
165000
CY2023 czfs Federal Home Loan Bank Credit Enhancement For Mpf Portfolio Losses
FederalHomeLoanBankCreditEnhancementForMPFPortfolioLosses
229000
CY2023Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
21153000
CY2023Q4 us-gaap Off Balance Sheet Credit Loss Liability
OffBalanceSheetCreditLossLiability
1265000
CY2023Q4 czfs Financing Receivable Allowance For Credit Loss And Off Balance Sheet Credit Loss Liability
FinancingReceivableAllowanceForCreditLossAndOffBalanceSheetCreditLossLiability
22418000
CY2022Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
18552000
CY2022Q4 us-gaap Off Balance Sheet Credit Loss Liability
OffBalanceSheetCreditLossLiability
165000
CY2022Q4 czfs Financing Receivable Allowance For Credit Loss And Off Balance Sheet Credit Loss Liability
FinancingReceivableAllowanceForCreditLossAndOffBalanceSheetCreditLossLiability
18717000
CY2023 us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
1329000
CY2023 czfs Financing Receivable Allowance For Credit Loss And Off Balance Sheet Credit Loss Liability Write Off
FinancingReceivableAllowanceForCreditLossAndOffBalanceSheetCreditLossLiabilityWriteOff
1329000
CY2023 us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
49000
CY2023 czfs Financing Receivable Allowance For Credit Loss And Off Balance Sheet Credit Loss Liability Recovery
FinancingReceivableAllowanceForCreditLossAndOffBalanceSheetCreditLossLiabilityRecovery
49000
CY2023 us-gaap Financing Receivable Allowance For Credit Loss Writeoff After Recovery
FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery
1280000
CY2023 czfs Financing Receivable Allowance For Credit Loss And Off Balance Sheet Credit Loss Liability Write Off After Recovery
FinancingReceivableAllowanceForCreditLossAndOffBalanceSheetCreditLossLiabilityWriteOffAfterRecovery
-1280000
CY2023Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
21153000
CY2023Q4 us-gaap Off Balance Sheet Credit Loss Liability
OffBalanceSheetCreditLossLiability
1265000
CY2023Q4 czfs Financing Receivable Allowance For Credit Loss And Off Balance Sheet Credit Loss Liability
FinancingReceivableAllowanceForCreditLossAndOffBalanceSheetCreditLossLiability
22418000
CY2022Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
18552000
CY2023 us-gaap Financing Receivable Allowance For Credit Loss Loan Purchased
FinancingReceivableAllowanceForCreditLossLoanPurchased
1689000
CY2023 us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
1329000
CY2023 us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
49000
CY2023 us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
5492000
CY2023Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
21153000
CY2023Q4 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
19181000
CY2023Q4 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
1972000
CY2023Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
21153000
CY2023Q4 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
2236955000
CY2023Q4 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
12881000
CY2023Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
2248836000
CY2022Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
18552000
CY2022Q4 us-gaap Off Balance Sheet Credit Loss Liability
OffBalanceSheetCreditLossLiability
165000
CY2022Q4 czfs Financing Receivable Allowance For Credit Loss And Off Balance Sheet Credit Loss Liability
FinancingReceivableAllowanceForCreditLossAndOffBalanceSheetCreditLossLiability
18717000
CY2021Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
17304000
CY2021Q4 us-gaap Off Balance Sheet Credit Loss Liability
OffBalanceSheetCreditLossLiability
165000
CY2021Q4 czfs Financing Receivable Allowance For Credit Loss And Off Balance Sheet Credit Loss Liability
FinancingReceivableAllowanceForCreditLossAndOffBalanceSheetCreditLossLiability
17469000
CY2022 us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
472000
CY2022 czfs Financing Receivable Allowance For Credit Loss And Off Balance Sheet Credit Loss Liability Write Off
FinancingReceivableAllowanceForCreditLossAndOffBalanceSheetCreditLossLiabilityWriteOff
472000
CY2022 us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
37000
CY2022 czfs Financing Receivable Allowance For Credit Loss And Off Balance Sheet Credit Loss Liability Recovery
FinancingReceivableAllowanceForCreditLossAndOffBalanceSheetCreditLossLiabilityRecovery
37000
CY2022 us-gaap Financing Receivable Allowance For Credit Loss Writeoff After Recovery
FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery
435000
CY2022 czfs Financing Receivable Allowance For Credit Loss And Off Balance Sheet Credit Loss Liability Write Off After Recovery
FinancingReceivableAllowanceForCreditLossAndOffBalanceSheetCreditLossLiabilityWriteOffAfterRecovery
-435000
CY2022 us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
1683000
CY2022 czfs Financing Receivable Allowance For Credit Loss And Off Balance Sheet Credit Loss Liability Expensed
FinancingReceivableAllowanceForCreditLossAndOffBalanceSheetCreditLossLiabilityExpensed
1683000
CY2022Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
18552000
CY2022Q4 us-gaap Off Balance Sheet Credit Loss Liability
OffBalanceSheetCreditLossLiability
165000
CY2022Q4 czfs Financing Receivable Allowance For Credit Loss And Off Balance Sheet Credit Loss Liability
FinancingReceivableAllowanceForCreditLossAndOffBalanceSheetCreditLossLiability
18717000
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 Losses Expensed
ProvisionForLoanLossesExpensed
1683000
CY2022Q4 us-gaap Impaired Financing Receivable Unpaid Principal Balance
ImpairedFinancingReceivableUnpaidPrincipalBalance
14653000
CY2022Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
18552000
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 Losses Expensed
ProvisionForLoanLossesExpensed
1550000
CY2021Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
17304000
CY2022Q4 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
18450000
CY2022Q4 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
102000
CY2022Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
18552000
CY2022Q4 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
1709724000
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 Notes Receivable Gross
NotesReceivableGross
1724999000
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
CY2023Q4 czfs Financing Receivable Nonaccrual With Allowance For Credit Loss
FinancingReceivableNonaccrualWithAllowanceForCreditLoss
4398000
CY2023Q4 us-gaap Financing Receivable Nonaccrual No Allowance
FinancingReceivableNonaccrualNoAllowance
7789000
CY2023Q4 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
516000
CY2023Q4 czfs Financing Receivable Recorded Investment Non Performing Loans
FinancingReceivableRecordedInvestmentNonPerformingLoans
12703000
CY2022Q4 czfs Financing Receivable Nonaccrual With Allowance For Credit Loss
FinancingReceivableNonaccrualWithAllowanceForCreditLoss
6938000
CY2022Q4 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
7000
CY2022Q4 czfs Financing Receivable Recorded Investment Non Performing Loans
FinancingReceivableRecordedInvestmentNonPerformingLoans
6945000
CY2023Q4 us-gaap Financing Receivable Nonaccrual No Allowance
FinancingReceivableNonaccrualNoAllowance
7800000
CY2023Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
12187000
CY2022Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
6938000
CY2023 czfs Amount Over Which All Relationship To Be Reviewed Minimum
AmountOverWhichAllRelationshipToBeReviewedMinimum
500000
CY2023Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
2248836000
CY2023Q4 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
516000
CY2023Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
12187000
CY2023Q4 czfs Financing Receivable Recorded Investment Total And Still Accruing
FinancingReceivableRecordedInvestmentTotalAndStillAccruing
2236649000
CY2023Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
2248836000
CY2022Q4 czfs Purchased Credit Impaired Loans
PurchasedCreditImpairedLoans
3306000
CY2022Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
1724999000
CY2022Q4 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
7000
CY2022Q4 czfs Purchased Credit Impaired Loans Non Accrual
PurchasedCreditImpairedLoansNonAccrual
0
CY2022Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
6938000
CY2022Q4 czfs Purchased Credit Impaired Loans And Still Accruing
PurchasedCreditImpairedLoansAndStillAccruing
3306000
CY2022Q4 czfs Financing Receivable Recorded Investment Total And Still Accruing
FinancingReceivableRecordedInvestmentTotalAndStillAccruing
1718061000
CY2022Q4 czfs Purchased Credit Impaired Loans
PurchasedCreditImpairedLoans
3306000
CY2022Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
1724999000
CY2023 czfs Accruing Modified Loans To Borrowers Experiencing Financial Difficulty Number Of Loans
AccruingModifiedLoansToBorrowersExperiencingFinancialDifficultyNumberOfLoans
9
CY2023 czfs Accruing Modified Loans To Borrowers Experiencing Financial Difficulty Amortized Cost Basis
AccruingModifiedLoansToBorrowersExperiencingFinancialDifficultyAmortizedCostBasis
2566000
CY2023 czfs Non Accruing Modified Loans To Borrowers Experiencing Financial Difficulty Number Of Loans
NonAccruingModifiedLoansToBorrowersExperiencingFinancialDifficultyNumberOfLoans
9
CY2023 czfs Non Accruing Modified Loans To Borrowers Experiencing Financial Difficulty Amortized Cost Basis
NonAccruingModifiedLoansToBorrowersExperiencingFinancialDifficultyAmortizedCostBasis
1684000
CY2023 czfs Accruing Modified Loans To Borrowers Experiencing Financial Difficulty Number Of Loans
AccruingModifiedLoansToBorrowersExperiencingFinancialDifficultyNumberOfLoans
9
CY2023 czfs Non Accruing Modified Loans To Borrowers Experiencing Financial Difficulty Number Of Loans
NonAccruingModifiedLoansToBorrowersExperiencingFinancialDifficultyNumberOfLoans
9
CY2023 czfs Accruing Modified Loans To Borrowers Experiencing Financial Difficulty Amortized Cost Basis
AccruingModifiedLoansToBorrowersExperiencingFinancialDifficultyAmortizedCostBasis
2566000
CY2023 czfs Non Accruing Modified Loans To Borrowers Experiencing Financial Difficulty Amortized Cost Basis
NonAccruingModifiedLoansToBorrowersExperiencingFinancialDifficultyAmortizedCostBasis
1684000
CY2022 us-gaap Financing Receivable Modifications Subsequent Default Recorded Investment1
FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1
0
CY2021 us-gaap Financing Receivable Modifications Subsequent Default Recorded Investment1
FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1
0
CY2023Q4 us-gaap Other Real Estate And Foreclosed Assets
OtherRealEstateAndForeclosedAssets
474000
CY2022Q4 us-gaap Other Real Estate And Foreclosed Assets
OtherRealEstateAndForeclosedAssets
543000
CY2022Q4 us-gaap Goodwill
Goodwill
31376000
CY2023Q4 us-gaap Noninterest Bearing Deposit Liabilities Domestic
NoninterestBearingDepositLiabilitiesDomestic
523784000
CY2022Q4 us-gaap Noninterest Bearing Deposit Liabilities Domestic
NoninterestBearingDepositLiabilitiesDomestic
396260000
CY2023Q4 us-gaap Deposits Negotiable Order Of Withdrawal Now
DepositsNegotiableOrderOfWithdrawalNOW
670712000
CY2022Q4 us-gaap Deposits Negotiable Order Of Withdrawal Now
DepositsNegotiableOrderOfWithdrawalNOW
512502000
CY2023Q4 us-gaap Deposits Savings Deposits
DepositsSavingsDeposits
307357000
CY2022Q4 us-gaap Deposits Savings Deposits
DepositsSavingsDeposits
321917000
CY2023Q4 us-gaap Deposits Money Market Deposits
DepositsMoneyMarketDeposits
400154000
CY2022Q4 us-gaap Deposits Money Market Deposits
DepositsMoneyMarketDeposits
335838000
CY2023Q4 us-gaap Interest Bearing Domestic Deposit Certificates Of Deposits
InterestBearingDomesticDepositCertificatesOfDeposits
419474000
CY2022Q4 us-gaap Interest Bearing Domestic Deposit Certificates Of Deposits
InterestBearingDomesticDepositCertificatesOfDeposits
277691000
CY2023Q4 us-gaap Deposits
Deposits
2321481000
CY2022Q4 us-gaap Deposits
Deposits
1844208000
CY2023Q4 czfs Time Deposits250000 Or More
TimeDeposits250000OrMore
94812000
CY2022Q4 czfs Time Deposits250000 Or More
TimeDeposits250000OrMore
56287000
CY2023Q4 us-gaap Interest Bearing Domestic Deposit Brokered
InterestBearingDomesticDepositBrokered
109284000
CY2022Q4 us-gaap Interest Bearing Domestic Deposit Brokered
InterestBearingDomesticDepositBrokered
16006000
CY2023Q4 us-gaap Time Deposit Maturities Year One
TimeDepositMaturitiesYearOne
263074000
CY2023Q4 us-gaap Time Deposit Maturities Year Two
TimeDepositMaturitiesYearTwo
87829000
CY2023Q4 us-gaap Time Deposit Maturities Year Three
TimeDepositMaturitiesYearThree
34410000
CY2023Q4 us-gaap Time Deposit Maturities Year Four
TimeDepositMaturitiesYearFour
17250000
CY2023Q4 us-gaap Time Deposit Maturities Year Five
TimeDepositMaturitiesYearFive
13705000
CY2023Q4 us-gaap Time Deposit Maturities After Year Five
TimeDepositMaturitiesAfterYearFive
3206000
CY2023Q4 us-gaap Time Deposits
TimeDeposits
419474000
CY2023Q4 us-gaap Debt And Capital Lease Obligations
DebtAndCapitalLeaseObligations
322036000
CY2023 czfs Debt Maximum Month End Outstanding Amount
DebtMaximumMonthEndOutstandingAmount
448362000
CY2023 czfs Debt Average Outstanding Amount
DebtAverageOutstandingAmount
326605000
CY2023Q4 us-gaap Short Term Debt Weighted Average Interest Rate
ShortTermDebtWeightedAverageInterestRate
0.0464
CY2023Q4 us-gaap Weighted Average Interest Rate On Overdrawn Demand Deposit
WeightedAverageInterestRateOnOverdrawnDemandDeposit
0.0546
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
CY2023Q4 us-gaap Securities Sold Under Agreements To Repurchase Gross
SecuritiesSoldUnderAgreementsToRepurchaseGross
19490000
CY2023Q4 us-gaap Securities Sold Under Agreements To Repurchase
SecuritiesSoldUnderAgreementsToRepurchase
18043000
CY2022Q4 us-gaap Securities Sold Under Agreements To Repurchase Gross
SecuritiesSoldUnderAgreementsToRepurchaseGross
20371000
CY2022Q4 us-gaap Securities Sold Under Agreements To Repurchase
SecuritiesSoldUnderAgreementsToRepurchase
17776000
CY2023Q4 us-gaap Long Term Debt Maturities Repayments Of Principal In Next Twelve Months
LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths
255316000
CY2023Q4 us-gaap Long Term Debt Maturities Repayments Of Principal In Year Two
LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo
40287000
CY2023Q4 us-gaap Long Term Debt Maturities Repayments Of Principal In Year Three
LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree
0
CY2023Q4 us-gaap Long Term Debt Maturities Repayments Of Principal In Year Four
LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour
0
CY2023Q4 us-gaap Long Term Debt Maturities Repayments Of Principal In Year Five
LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive
0
CY2023Q4 us-gaap Long Term Debt Maturities Repayments Of Principal After Year Five
LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive
26433000
CY2023Q4 us-gaap Debt And Capital Lease Obligations
DebtAndCapitalLeaseObligations
322036000
CY2023 czfs Defined Contribution Plan Employer Discretionary Contribution To401 K
DefinedContributionPlanEmployerDiscretionaryContributionTo401K
354000
CY2022 czfs Defined Contribution Plan Employer Discretionary Contribution To401 K
DefinedContributionPlanEmployerDiscretionaryContributionTo401K
300000
CY2021 czfs Defined Contribution Plan Employer Discretionary Contribution To401 K
DefinedContributionPlanEmployerDiscretionaryContributionTo401K
290000
CY2023 us-gaap Defined Contribution Plan Employer Discretionary Contribution Amount
DefinedContributionPlanEmployerDiscretionaryContributionAmount
769000
CY2022 us-gaap Defined Contribution Plan Employer Discretionary Contribution Amount
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623000
CY2021 us-gaap Defined Contribution Plan Employer Discretionary Contribution Amount
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563000
CY2023 us-gaap Current Income Tax Expense Benefit
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3109000
CY2022 us-gaap Current Income Tax Expense Benefit
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6471000
CY2021 us-gaap Current Income Tax Expense Benefit
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5510000
CY2023 us-gaap Income Tax Expense Benefit Continuing Operations Adjustment Of Deferred Tax Asset Liability
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595000
CY2022 us-gaap Income Tax Expense Benefit Continuing Operations Adjustment Of Deferred Tax Asset Liability
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-36000
CY2021 us-gaap Income Tax Expense Benefit Continuing Operations Adjustment Of Deferred Tax Asset Liability
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689000
CY2023 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
3704000
CY2022 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
6435000
CY2021 us-gaap Income Tax Expense Benefit
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6199000
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5868000
CY2022Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Provision For Loan Losses
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4581000
CY2023Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Compensation And Benefits Employee Compensation
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597000
CY2022Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Compensation And Benefits Employee Compensation
DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsEmployeeCompensation
559000
CY2023Q4 czfs Deferred Tax Assets Tax Deferred Expense Merger And Acquisition Costs
DeferredTaxAssetsTaxDeferredExpenseMergerAndAcquisitionCosts
0
CY2022Q4 czfs Deferred Tax Assets Tax Deferred Expense Merger And Acquisition Costs
DeferredTaxAssetsTaxDeferredExpenseMergerAndAcquisitionCosts
1000
CY2023Q4 czfs Deferred Tax Assets Allowance For Losses On Available For Sale Securities
DeferredTaxAssetsAllowanceForLossesOnAvailableForSaleSecurities
147000
CY2022Q4 czfs Deferred Tax Assets Allowance For Losses On Available For Sale Securities
DeferredTaxAssetsAllowanceForLossesOnAvailableForSaleSecurities
9000
CY2023Q4 czfs Deferred Tax Assets Tax Deferred Expense Compensation And Benefits Pensions And Other Retirement Obligation
DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensionsAndOtherRetirementObligation
166000
CY2022Q4 czfs Deferred Tax Assets Tax Deferred Expense Compensation And Benefits Pensions And Other Retirement Obligation
DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensionsAndOtherRetirementObligation
146000
CY2023Q4 czfs Deferred Tax Assets Interest On Non Accrual Loans
DeferredTaxAssetsInterestOnNonAccrualLoans
1263000
CY2022Q4 czfs Deferred Tax Assets Interest On Non Accrual Loans
DeferredTaxAssetsInterestOnNonAccrualLoans
974000
CY2023Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Other
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsOther
662000
CY2022Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Other
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsOther
503000
CY2023Q4 czfs Deferred Tax Assets Tax Deferred Expense Other Real Estate Owned
DeferredTaxAssetsTaxDeferredExpenseOtherRealEstateOwned
16000
CY2022Q4 czfs Deferred Tax Assets Tax Deferred Expense Other Real Estate Owned
DeferredTaxAssetsTaxDeferredExpenseOtherRealEstateOwned
32000
CY2023Q4 us-gaap Deferred Tax Assets Unrealized Losses On Availablefor Sale Securities Gross
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7506000
CY2022Q4 us-gaap Deferred Tax Assets Unrealized Losses On Availablefor Sale Securities Gross
DeferredTaxAssetsUnrealizedLossesOnAvailableforSaleSecuritiesGross
9972000
CY2023Q4 czfs Deferred Tax Assets Low Income Housing Tax Credits
DeferredTaxAssetsLowIncomeHousingTaxCredits
44000
CY2022Q4 czfs Deferred Tax Assets Low Income Housing Tax Credits
DeferredTaxAssetsLowIncomeHousingTaxCredits
138000
CY2023Q4 us-gaap Deferred Tax Assets Operating Loss Carryforwards
DeferredTaxAssetsOperatingLossCarryforwards
2468000
CY2022Q4 us-gaap Deferred Tax Assets Operating Loss Carryforwards
DeferredTaxAssetsOperatingLossCarryforwards
1134000
CY2023Q4 us-gaap Deferred Tax Assets Unrealized Losses On Trading Securities
DeferredTaxAssetsUnrealizedLossesOnTradingSecurities
24000
CY2022Q4 us-gaap Deferred Tax Assets Unrealized Losses On Trading Securities
DeferredTaxAssetsUnrealizedLossesOnTradingSecurities
0
CY2023Q4 czfs Deferred Tax Asset Purchased Credit Deteriorated Loans Interest Rate
DeferredTaxAssetPurchasedCreditDeterioratedLoansInterestRate
4795000
CY2022Q4 czfs Deferred Tax Asset Purchased Credit Deteriorated Loans Interest Rate
DeferredTaxAssetPurchasedCreditDeterioratedLoansInterestRate
0
CY2023Q4 czfs Deferred Tax Assets Tax Deferred Expense Right Of Use Asset
DeferredTaxAssetsTaxDeferredExpenseRightOfUseAsset
2349000
CY2022Q4 czfs Deferred Tax Assets Tax Deferred Expense Right Of Use Asset
DeferredTaxAssetsTaxDeferredExpenseRightOfUseAsset
1053000
CY2023Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Accrued Liabilities
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities
281000
CY2022Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Accrued Liabilities
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities
157000
CY2023Q4 us-gaap Deferred Tax Assets Other
DeferredTaxAssetsOther
428000
CY2022Q4 us-gaap Deferred Tax Assets Other
DeferredTaxAssetsOther
164000
CY2023Q4 us-gaap Deferred Tax Assets Net
DeferredTaxAssetsNet
26614000
CY2022Q4 us-gaap Deferred Tax Assets Net
DeferredTaxAssetsNet
19423000
CY2023Q4 us-gaap Deferred Tax Liabilities Property Plant And Equipment
DeferredTaxLiabilitiesPropertyPlantAndEquipment
679000
CY2022Q4 us-gaap Deferred Tax Liabilities Property Plant And Equipment
DeferredTaxLiabilitiesPropertyPlantAndEquipment
492000
CY2023Q4 us-gaap Deferred Tax Liabilities Investments
DeferredTaxLiabilitiesInvestments
432000
CY2022Q4 us-gaap Deferred Tax Liabilities Investments
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240000
CY2023Q4 us-gaap Deferred Tax Liabilities Deferred Expense Deferred Financing Costs
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859000
CY2022Q4 us-gaap Deferred Tax Liabilities Deferred Expense Deferred Financing Costs
DeferredTaxLiabilitiesDeferredExpenseDeferredFinancingCosts
685000
CY2023Q4 us-gaap Deferred Tax Liabilities Goodwill And Intangible Assets
DeferredTaxLiabilitiesGoodwillAndIntangibleAssets
2889000
CY2022Q4 us-gaap Deferred Tax Liabilities Goodwill And Intangible Assets
DeferredTaxLiabilitiesGoodwillAndIntangibleAssets
2332000
CY2023Q4 us-gaap Deferred Tax Liabilities Mortgage Servicing Rights
DeferredTaxLiabilitiesMortgageServicingRights
201000
CY2022Q4 us-gaap Deferred Tax Liabilities Mortgage Servicing Rights
DeferredTaxLiabilitiesMortgageServicingRights
205000
CY2023Q4 us-gaap Deferred Tax Liabilities Unrealized Gains On Trading Securities
DeferredTaxLiabilitiesUnrealizedGainsOnTradingSecurities
0
CY2022Q4 us-gaap Deferred Tax Liabilities Unrealized Gains On Trading Securities
DeferredTaxLiabilitiesUnrealizedGainsOnTradingSecurities
16000
CY2023Q4 us-gaap Deferred Income Tax Liabilities
DeferredIncomeTaxLiabilities
9275000
CY2022Q4 us-gaap Deferred Income Tax Liabilities
DeferredIncomeTaxLiabilities
6537000
CY2023Q4 us-gaap Deferred Tax Assets Liabilities Net
DeferredTaxAssetsLiabilitiesNet
17339000
CY2022Q4 us-gaap Deferred Tax Assets Liabilities Net
DeferredTaxAssetsLiabilitiesNet
12886000
CY2023Q4 us-gaap Deferred Tax Assets Valuation Allowance
DeferredTaxAssetsValuationAllowance
0
CY2023Q4 czfs Deferred Tax Liabilities Unrealized Gains On Interest Rate Swap
DeferredTaxLiabilitiesUnrealizedGainsOnInterestRateSwap
1143000
CY2022Q4 czfs Deferred Tax Liabilities Unrealized Gains On Interest Rate Swap
DeferredTaxLiabilitiesUnrealizedGainsOnInterestRateSwap
1443000
CY2023Q4 czfs Deferred Tax Liabilities Borrowings Fair Value Adjustment
DeferredTaxLiabilitiesBorrowingsFairValueAdjustment
511000
CY2022Q4 czfs Deferred Tax Liabilities Borrowings Fair Value Adjustment
DeferredTaxLiabilitiesBorrowingsFairValueAdjustment
0
CY2023Q4 czfs Deferred Tax Liabilities Lease Liability
DeferredTaxLiabilitiesLeaseLiability
2334000
CY2022Q4 czfs Deferred Tax Liabilities Lease Liability
DeferredTaxLiabilitiesLeaseLiability
1047000
CY2023Q4 us-gaap Deferred Tax Liabilities Other
DeferredTaxLiabilitiesOther
227000
CY2022Q4 us-gaap Deferred Tax Liabilities Other
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77000
CY2022Q4 us-gaap Deferred Tax Assets Valuation Allowance
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0
CY2023 us-gaap Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate
4514000
CY2022 us-gaap Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate
7450000
CY2021 us-gaap Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate
7413000
CY2023 us-gaap Income Tax Reconciliation Tax Exempt Income
IncomeTaxReconciliationTaxExemptIncome
895000
CY2022 us-gaap Income Tax Reconciliation Tax Exempt Income
IncomeTaxReconciliationTaxExemptIncome
835000
CY2021 us-gaap Income Tax Reconciliation Tax Exempt Income
IncomeTaxReconciliationTaxExemptIncome
764000
CY2023 czfs Income Tax Reconciliation Tax Credits Low Income Housing
IncomeTaxReconciliationTaxCreditsLowIncomeHousing
585000
CY2022 czfs Income Tax Reconciliation Tax Credits Low Income Housing
IncomeTaxReconciliationTaxCreditsLowIncomeHousing
141000
CY2021 czfs Income Tax Reconciliation Tax Credits Low Income Housing
IncomeTaxReconciliationTaxCreditsLowIncomeHousing
141000
CY2023 czfs Income Tax Reconciliation Expense Low Income Housing
IncomeTaxReconciliationExpenseLowIncomeHousing
399000
CY2022 czfs Income Tax Reconciliation Expense Low Income Housing
IncomeTaxReconciliationExpenseLowIncomeHousing
0
CY2021 czfs Income Tax Reconciliation Expense Low Income Housing
IncomeTaxReconciliationExpenseLowIncomeHousing
0
CY2023 czfs Income Tax Reconciliation Increase In Cash Surrender Value Of Life Insurance
IncomeTaxReconciliationIncreaseInCashSurrenderValueOfLifeInsurance
263000
CY2022 czfs Income Tax Reconciliation Increase In Cash Surrender Value Of Life Insurance
IncomeTaxReconciliationIncreaseInCashSurrenderValueOfLifeInsurance
179000
CY2021 czfs Income Tax Reconciliation Increase In Cash Surrender Value Of Life Insurance
IncomeTaxReconciliationIncreaseInCashSurrenderValueOfLifeInsurance
384000
CY2023 czfs Income Tax Reconciliation Nondeductible Expense Interest
IncomeTaxReconciliationNondeductibleExpenseInterest
251000
CY2022 czfs Income Tax Reconciliation Nondeductible Expense Interest
IncomeTaxReconciliationNondeductibleExpenseInterest
74000
CY2021 czfs Income Tax Reconciliation Nondeductible Expense Interest
IncomeTaxReconciliationNondeductibleExpenseInterest
44000
CY2023 czfs Income Tax Reconciliation Nondeductible Merger And Acquisition Expenses
IncomeTaxReconciliationNondeductibleMergerAndAcquisitionExpenses
247000
CY2022 czfs Income Tax Reconciliation Nondeductible Merger And Acquisition Expenses
IncomeTaxReconciliationNondeductibleMergerAndAcquisitionExpenses
61000
CY2021 czfs Income Tax Reconciliation Nondeductible Merger And Acquisition Expenses
IncomeTaxReconciliationNondeductibleMergerAndAcquisitionExpenses
0
CY2023 us-gaap Income Tax Reconciliation Change In Enacted Tax Rate
IncomeTaxReconciliationChangeInEnactedTaxRate
0
CY2022 us-gaap Income Tax Reconciliation Change In Enacted Tax Rate
IncomeTaxReconciliationChangeInEnactedTaxRate
0
CY2021 us-gaap Income Tax Reconciliation Change In Enacted Tax Rate
IncomeTaxReconciliationChangeInEnactedTaxRate
0
CY2023 us-gaap Income Tax Reconciliation Other Adjustments
IncomeTaxReconciliationOtherAdjustments
36000
CY2022 us-gaap Income Tax Reconciliation Other Adjustments
IncomeTaxReconciliationOtherAdjustments
5000
CY2021 us-gaap Income Tax Reconciliation Other Adjustments
IncomeTaxReconciliationOtherAdjustments
31000
CY2023 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
3704000
CY2022 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
6435000
CY2021 us-gaap Income Tax Expense Benefit
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6199000
CY2023 us-gaap Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate
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0.21
CY2022 us-gaap Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate
EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate
0.21
CY2021 us-gaap Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate
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0.21
CY2023 us-gaap Effective Income Tax Rate Continuing Operations
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0.172
CY2022 us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.181
CY2021 us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.176
CY2023 czfs Minimum Percentages Of Tax Position Liable To Be Realized Upon Ultimate Settlement
MinimumPercentagesOfTaxPositionLiableToBeRealizedUponUltimateSettlement
0.50
CY2023Q4 us-gaap Liability For Uncertain Tax Positions Current
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0
CY2023Q4 us-gaap Unrecognized Tax Benefits
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0
CY2023Q4 czfs Net Affordable Housing Tax Credit Investments And Unfunded Commitments
NetAffordableHousingTaxCreditInvestmentsAndUnfundedCommitments
8541000
CY2022Q4 czfs Net Affordable Housing Tax Credit Investments And Unfunded Commitments
NetAffordableHousingTaxCreditInvestmentsAndUnfundedCommitments
1304000
CY2023Q4 czfs Affordable Housing Program Expected Future Payments Next12 Months
AffordableHousingProgramExpectedFuturePaymentsNext12Months
4063000
CY2023Q4 czfs Affordable Housing Program Expected Future Payments Due In Two Years
AffordableHousingProgramExpectedFuturePaymentsDueInTwoYears
2169000
CY2023Q4 czfs Affordable Housing Program Expected Future Payments Due In Three Years
AffordableHousingProgramExpectedFuturePaymentsDueInThreeYears
124000
CY2023Q4 czfs Affordable Housing Program Expected Future Payments Due In Four Years
AffordableHousingProgramExpectedFuturePaymentsDueInFourYears
19000
CY2023Q4 czfs Affordable Housing Program Expected Future Payments Due In Five Years
AffordableHousingProgramExpectedFuturePaymentsDueInFiveYears
19000
CY2023Q4 czfs Affordable Housing Program Expected Future Payments Thereafter
AffordableHousingProgramExpectedFuturePaymentsThereafter
136000
CY2023Q4 czfs Affordable Housing Program Expected Future Payments Due
AffordableHousingProgramExpectedFuturePaymentsDue
6530000
CY2023 czfs Effective Yield Method Affordable Housing Projects Tax Credits And Other Tax Benefits Amount
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0
CY2022 czfs Effective Yield Method Affordable Housing Projects Tax Credits And Other Tax Benefits Amount
EffectiveYieldMethodAffordableHousingProjectsTaxCreditsAndOtherTaxBenefitsAmount
141000
CY2021 czfs Effective Yield Method Affordable Housing Projects Tax Credits And Other Tax Benefits Amount
EffectiveYieldMethodAffordableHousingProjectsTaxCreditsAndOtherTaxBenefitsAmount
141000
CY2023 czfs Effective Yield Method Affordable Housing Projects Amortization Expense In Other Expense Amount
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0
CY2022 czfs Effective Yield Method Affordable Housing Projects Amortization Expense In Other Expense Amount
EffectiveYieldMethodAffordableHousingProjectsAmortizationExpenseInOtherExpenseAmount
108000
CY2021 czfs Effective Yield Method Affordable Housing Projects Amortization Expense In Other Expense Amount
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108000
CY2023 us-gaap Affordable Housing Tax Credits And Other Tax Benefits Amount
AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount
948000
CY2022 us-gaap Affordable Housing Tax Credits And Other Tax Benefits Amount
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0
CY2021 us-gaap Affordable Housing Tax Credits And Other Tax Benefits Amount
AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount
0
CY2023 us-gaap Amortization Method Qualified Affordable Housing Project Investments Amortization
AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization
762000
CY2022 us-gaap Amortization Method Qualified Affordable Housing Project Investments Amortization
AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization
0
CY2021 us-gaap Amortization Method Qualified Affordable Housing Project Investments Amortization
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0
CY2021 us-gaap Affordable Housing Project Investment Write Down Amount
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0
CY2022 us-gaap Affordable Housing Project Investment Write Down Amount
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0
CY2023 us-gaap Affordable Housing Project Investment Write Down Amount
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0
CY2023Q4 czfs Accumulated Other Comprehensive Income Loss Available For Sale Securities Adjustment Pre Tax
AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentPreTax
-35743000
CY2022Q4 czfs Accumulated Other Comprehensive Income Loss Available For Sale Securities Adjustment Pre Tax
AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentPreTax
-47487000
CY2023Q4 czfs Accumulated Other Comprehensive Income Loss Available For Sale Securities Adjustment Tax
AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentTax
7505000
CY2022Q4 czfs Accumulated Other Comprehensive Income Loss Available For Sale Securities Adjustment Tax
AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentTax
9973000
CY2023Q4 us-gaap Accumulated Other Comprehensive Income Loss Available For Sale Securities Adjustment Net Of Tax
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-28238000
CY2022Q4 us-gaap Accumulated Other Comprehensive Income Loss Available For Sale Securities Adjustment Net Of Tax
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-37514000
CY2023Q4 czfs Accumulated Other Comprehensive Income Loss Interest Rate Swap Pre Tax
AccumulatedOtherComprehensiveIncomeLossInterestRateSwapPreTax
-5441000
CY2022Q4 czfs Accumulated Other Comprehensive Income Loss Interest Rate Swap Pre Tax
AccumulatedOtherComprehensiveIncomeLossInterestRateSwapPreTax
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CY2023Q4 czfs Accumulated Other Comprehensive Income Loss Interest Rate Swap Tax
AccumulatedOtherComprehensiveIncomeLossInterestRateSwapTax
1142000
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CY2021 us-gaap Operating Lease Cost
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676000
CY2023 us-gaap Variable Lease Cost
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177000
CY2022Q4 czfs Accumulated Other Comprehensive Income Loss Interest Rate Swap Tax
AccumulatedOtherComprehensiveIncomeLossInterestRateSwapTax
1444000
CY2023Q4 czfs Accumulated Other Comprehensive Income Loss Interest Rate Swap Net Of Tax
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-4299000
CY2022Q4 czfs Accumulated Other Comprehensive Income Loss Interest Rate Swap Net Of Tax
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-5429000
CY2023Q4 czfs Accumulated Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Pre Tax
AccumulatedOtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansPreTax
1231000
CY2022Q4 czfs Accumulated Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Pre Tax
AccumulatedOtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansPreTax
1336000
CY2023Q4 czfs Accumulated Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Tax
AccumulatedOtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax
259000
CY2022Q4 czfs Accumulated Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Tax
AccumulatedOtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax
280000
CY2023Q4 us-gaap Accumulated Other Comprehensive Income Loss Defined Benefit Pension And Other Postretirement Plans Net Of Tax
AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax
972000
CY2022Q4 us-gaap Accumulated Other Comprehensive Income Loss Defined Benefit Pension And Other Postretirement Plans Net Of Tax
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1056000
CY2023Q4 us-gaap Accumulated Other Comprehensive Income Loss Net Of Tax
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CY2022Q4 us-gaap Accumulated Other Comprehensive Income Loss Net Of Tax
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CY2021 us-gaap Oci Before Reclassifications Net Of Tax Attributable To Parent
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CY2021 us-gaap Reclassification From Aoci Current Period Net Of Tax Attributable To Parent
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CY2022 us-gaap Oci Before Reclassifications Net Of Tax Attributable To Parent
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CY2022 us-gaap Reclassification From Aoci Current Period Net Of Tax Attributable To Parent
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27000
CY2022 us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
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CY2023 us-gaap Oci Before Reclassifications Net Of Tax Attributable To Parent
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9899000
CY2023 us-gaap Reclassification From Aoci Current Period Net Of Tax Attributable To Parent
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1669000
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8230000
CY2023Q4 us-gaap Line Of Credit
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1663000
CY2022Q4 us-gaap Line Of Credit
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0
CY2023Q4 us-gaap Statutory Accounting Practices Statutory Amount Available For Dividend Payments Without Regulatory Approval
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29939000
CY2023Q4 czfs Regulatory Lending Limit
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40819000
CY2023 czfs Number Of Capital Categories
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5
CY2023Q4 us-gaap Contractual Obligation
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564688000
CY2022Q4 us-gaap Contractual Obligation
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453421000
CY2023 czfs Coverage Period For Instruments
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P1Y
CY2023Q4 us-gaap Fair Value Disclosure Offbalance Sheet Risks Amount Liability
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13121000
CY2023Q4 us-gaap Off Balance Sheet Credit Loss Liability
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1265000
CY2022Q4 us-gaap Off Balance Sheet Credit Loss Liability
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165000
CY2022Q4 us-gaap Derivative Number Of Instruments Held
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6
CY2023Q4 us-gaap Derivative Number Of Instruments Held
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6
CY2022 us-gaap Gain Loss On Cash Flow Hedge Ineffectiveness Net
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0
CY2023 us-gaap Gain Loss On Cash Flow Hedge Ineffectiveness Net
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0
CY2023Q4 us-gaap Collateral Already Posted Aggregate Fair Value
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13000000
CY2023Q4 czfs Holding Of Collateral Aggregate Fair Value
HoldingOfCollateralAggregateFairValue
10900000
CY2023Q4 us-gaap Operating Lease Right Of Use Asset
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11116000
CY2022Q4 us-gaap Operating Lease Right Of Use Asset
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4987000
CY2023Q4 us-gaap Operating Lease Liability
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11188000
CY2022Q4 us-gaap Operating Lease Liability
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5016000
CY2023Q4 us-gaap Operating Lease Weighted Average Remaining Lease Term1
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P8Y10M6D
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0.0413
CY2023 us-gaap Operating Lease Cost
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1400000
CY2022 us-gaap Variable Lease Cost
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64000
CY2021 us-gaap Variable Lease Cost
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63000
CY2023 us-gaap Lease Cost
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1577000
CY2022 us-gaap Lease Cost
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792000
CY2021 us-gaap Lease Cost
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739000
CY2023Q4 us-gaap Lessee Operating Lease Liability Payments Due Next Twelve Months
LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths
1785000
CY2023Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Two
LesseeOperatingLeaseLiabilityPaymentsDueYearTwo
1671000
CY2023Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Three
LesseeOperatingLeaseLiabilityPaymentsDueYearThree
1621000
CY2023Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Four
LesseeOperatingLeaseLiabilityPaymentsDueYearFour
1624000
CY2023Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Five
LesseeOperatingLeaseLiabilityPaymentsDueYearFive
1537000
CY2023Q4 us-gaap Lessee Operating Lease Liability Payments Due After Year Five
LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive
5406000
CY2023Q4 us-gaap Lessee Operating Lease Liability Payments Due
LesseeOperatingLeaseLiabilityPaymentsDue
13644000
CY2023Q4 us-gaap Lessee Operating Lease Liability Undiscounted Excess Amount
LesseeOperatingLeaseLiabilityUndiscountedExcessAmount
2456000
CY2023Q4 us-gaap Operating Lease Liability
OperatingLeaseLiability
11188000
CY2023 czfs Collateral Dependent Loans Estimated Selling Cost
CollateralDependentLoansEstimatedSellingCost
396000
CY2022 czfs Impaired Loans Estimated Selling Cost
ImpairedLoansEstimatedSellingCost
50000
CY2023 dei Auditor Name
AuditorName
S.R. Snodgrass, P.C.
CY2023 dei Auditor Location
AuditorLocation
Cranberry Township, Pennsylvania
CY2023Q4 ecd Non Rule10b51 Arr Adopted Flag
NonRule10b51ArrAdoptedFlag
false
CY2023Q4 ecd Rule10b51 Arr Adopted Flag
Rule10b51ArrAdoptedFlag
false
CY2023Q4 ecd Non Rule10b51 Arr Trmntd Flag
NonRule10b51ArrTrmntdFlag
false
CY2023Q4 ecd Rule10b51 Arr Trmntd Flag
Rule10b51ArrTrmntdFlag
false

Files In Submission

Name View Source Status
0001140361-24-011948-index-headers.html Edgar Link pending
0001140361-24-011948-index.html Edgar Link pending
0001140361-24-011948.txt Edgar Link pending
0001140361-24-011948-xbrl.zip Edgar Link pending
czfs-20231231.xsd Edgar Link pending
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