For the quarter ending 2025-09-30, CZFS has $3,056,421K in assets. $2,728,739K in debts. $31,075K in cash and cash equivalents.
| Balance Sheets | 2025-09-30 | 2025-06-30 | ||
|---|---|---|---|---|
| Noninterest-bearing | 24,529 | 26,799 | ||
| Interest-bearing | 6,546 | 22,685 | ||
| Total cash and cash equivalents | 31,075 | 49,484 | ||
| Interest bearing time deposits with other banks | 3,820 | 3,820 | ||
| Equity securities | 1,803 | 1,768 | ||
| Available-for-sale securities | 451,357 | 431,649 | ||
| Loans held for sale | 13,508 | 15,529 | ||
| Total loans | 2,335,388 | - | ||
| Allowance for credit losses - loans | 22,454 | - | ||
| Loans (net of allowance for credit losses 2025, 22,454 and 2024, 21,699) | 2,312,934 | 2,219,646 | ||
| Premises and equipment | 21,508 | 21,776 | ||
| Accrued interest receivable | 11,412 | 10,603 | ||
| Goodwill | 85,758 | 85,758 | ||
| Bank owned life insurance | 51,132 | 50,770 | ||
| Other intangibles | 2,374 | 2,530 | ||
| Fair value of derivative instruments | 7,487 | 8,272 | ||
| Deferred tax asset | 12,294 | 13,913 | ||
| Other assets | 49,959 | 51,756 | ||
| Total assets | 3,056,421 | 2,967,274 | ||
| Noninterest-bearing | 522,168 | 499,252 | ||
| Interest-bearing | 1,889,035 | 1,793,410 | ||
| Total deposits | 2,411,203 | 2,292,662 | ||
| Borrowed funds | 279,589 | 313,219 | ||
| Accrued interest payable | 3,754 | 2,741 | ||
| Fair value of derivative instruments - liability | 4,332 | 4,701 | ||
| Other liabilities | 29,861 | 40,298 | ||
| Total liabilities | 2,728,739 | 2,653,621 | ||
| Preferred stock 1.00 par value authorized 3,000,000 shares at september 30, 2025 and december 31, 2024 none issued in 2025 or 2024 | 0 | 0 | ||
| Common stock 1.00 par value authorized 25,000,000 shares at september 30, 2025 and december 31, 2024, issued 5,255,464 at september 30, 2025 and 5,207,577 at december 31, 2024 | 5,255 | 5,255 | ||
| Additional paid-in capital | 147,971 | 147,878 | ||
| Retained earnings | 205,542 | 197,940 | ||
| Accumulated other comprehensive loss | -14,650 | -21,026 | ||
| Treasury stock, at cost 449,087 shares at september 30, 2025 and 447,965 shares at december 31, 2024 | 16,436 | 16,394 | ||
| Total stockholders' equity | 327,682 | 313,653 | ||
| Total liabilities and stockholders' equity | 3,056,421 | 2,967,274 | ||
CITIZENS FINANCIAL SERVICES INC (CZFS)
CITIZENS FINANCIAL SERVICES INC (CZFS)