Every 10-Q that Citizens Financial Services, Inc. (CZFS) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow CZFS and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full CZFS filings page.
Citizens Financial Services, Inc., parent of First Citizens Community Bank, reported higher profitability for the quarter and six months ended June 30, 2026. Net income for the quarter was $10,187,000 versus $8,463,000 a year earlier, and six‑month net income was $20,563,000 versus $16,084,000. Net interest income rose as total interest and dividend income increased while interest expense on deposits and borrowings declined. Non‑interest income also improved, helped by higher earnings on bank owned life insurance and equity securities, while non‑interest expenses grew more modestly, leading to higher pre‑tax earnings.
Total assets reached 3,192,116 (in thousands), with net loans of 2,371,469 (in thousands), deposits of 2,394,537 (in thousands) and stockholders’ equity of 352,833 (in thousands) at June 30, 2026. The total allowance for credit losses increased to $25,000,000, reflecting updated economic forecasts and qualitative adjustments, including impacts from higher fuel and fertilizer prices linked to the Iran conflict. Asset quality weakened, as total non‑performing loans increased to $41,007,000, though many collateral‑dependent loans were supported by underlying collateral values. Operating cash flow remained positive, while significant securities purchases, bank owned life insurance investments and loan growth were largely funded through higher borrowings and modest deposit growth.
Citizens Financial Services, Inc. reported stronger results for the three months ended March 31, 2026. Net income rose to $10.4 million from $7.6 million a year earlier, with basic and diluted earnings per share increasing to $2.16 from $1.59.
Total interest and dividend income reached $40.3 million, while net interest income improved to $26.1 million as interest expense declined. Non-interest income edged up to $3.7 million and non-interest expenses were stable. Loans declined to $2.30 billion and deposits grew to $2.44 billion. Nonperforming loans increased to $37.7 million, and the total allowance for credit losses rose to $24.4 million. Comprehensive income fell to $8.1 million due to unrealized losses on securities and swaps.
Citizens Financial Services (CZFS) reported stronger Q3 2025 results. Net income rose to $10.0M from $7.5M a year ago, and diluted EPS increased to $2.09 from $1.57. Net interest income improved to $25.1M (from $21.3M) as interest expense eased, while the credit loss provision was $0.5M versus a recovery in the prior year. Noninterest income was steady at $3.9M, and operating expenses remained stable at $16.1M.
Total assets were $3.06B, with deposits of $2.41B. Non‑performing loans declined to $20.6M from $26.0M at year‑end, and the allowance for credit losses increased to $22.5M. Accumulated other comprehensive loss improved to $(14.7)M as unrealized losses on securities narrowed. Shares outstanding were 4,806,377 as of November 1, 2025.