For the quarter ending 2026-03-31, CZFS has $3,026,478K in assets. $2,682,900K in debts. $33,105K in cash and cash equivalents.
| Balance Sheets | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Noninterest-bearing | 26,798 | 23,933 | 24,529 | 26,799 |
| Interest-bearing | 6,307 | 10,358 | 6,546 | 22,685 |
| Total cash and cash equivalents | 33,105 | 34,291 | 31,075 | 49,484 |
| Interest bearing time deposits with other banks | 3,820 | 3,820 | 3,820 | 3,820 |
| Equity securities | 1,834 | 1,815 | 1,803 | 1,768 |
| Available-for-sale securities | 448,286 | 444,741 | 451,357 | 431,649 |
| Loans held for sale | 5,874 | 9,393 | 13,508 | 15,529 |
| Total loans | 2,298,222 | 2,350,622 | 2,335,388 | - |
| Allowance for credit losses - loans | 22,894 | 22,806 | 22,454 | - |
| Loans (net of allowance for credit losses 2026 22,894 and 2025, 22,806) | 2,275,328 | 2,327,816 | 2,312,934 | 2,219,646 |
| Premises and equipment | 20,715 | 20,998 | 21,508 | 21,776 |
| Accrued interest receivable | 10,941 | 10,698 | 11,412 | 10,603 |
| Goodwill | 85,758 | 85,758 | 85,758 | 85,758 |
| Bank owned life insurance | 74,071 | 51,501 | 51,132 | 50,770 |
| Other intangibles | 2,073 | 2,221 | 2,374 | 2,530 |
| Derivative assets | 7,104 | 6,927 | 7,487 | 8,272 |
| Deferred tax asset | 12,240 | 11,440 | 12,294 | 13,913 |
| Other assets | 45,329 | 53,145 | 49,959 | 51,756 |
| Total assets | 3,026,478 | 3,064,564 | 3,056,421 | 2,967,274 |
| Noninterest-bearing | 509,638 | 516,657 | 522,168 | 499,252 |
| Interest-bearing | 1,931,547 | 1,860,322 | 1,889,035 | 1,793,410 |
| Total deposits | 2,441,185 | 2,376,979 | 2,411,203 | 2,292,662 |
| Borrowed funds | 198,738 | 309,448 | 279,589 | 313,219 |
| Accrued interest payable | 3,748 | 3,130 | 3,754 | 2,741 |
| Derivative liabilities | 4,186 | 4,100 | 4,332 | 4,701 |
| Other liabilities | 35,043 | 32,856 | 29,861 | 40,298 |
| Total liabilities | 2,682,900 | 2,726,513 | 2,728,739 | 2,653,621 |
| 1.00 par value authorized 3,000,000 shares at march 31, 2026 and december 31, 2025 none issued in 2026 or 2025 | 0 | 0 | 0 | 0 |
| 1.00 par value authorized 25,000,000 shares at march 31, 2026 and december 31, 2025, issued 5,256,083 at march 31, 2026 and 5,255,807 at december 31, 2025 | 5,256 | 5,256 | 5,255 | 5,255 |
| Additional paid-in capital | 147,986 | 147,965 | 147,971 | 147,878 |
| Retained earnings | 221,597 | 213,623 | 205,542 | 197,940 |
| Net unrealized gain on securities available for sale | - | -17,778 | - | - |
| Tax effect | - | 3,733 | - | - |
| Available For Sale Securities Adjustment | - | -14,045 | - | - |
| Unrealized loss on interest rate swap | - | -2,486 | - | - |
| Tax effect | - | 521 | - | - |
| Interest Rate Swap | - | -1,965 | - | - |
| Unrecognized pension costs | - | 376 | - | - |
| Tax effect | - | 79 | - | - |
| Defined Benefit Pension And Other Postretirement Plans | - | 297 | - | - |
| Accumulated other comprehensive loss | -14,682 | -12,377 | -14,650 | -21,026 |
| Treasury stock, at cost 451,147 shares at march 31, 2026 and 448,7272 shares at december 31, 2025 | 16,579 | 16,416 | 16,436 | 16,394 |
| Total stockholders equity | 343,578 | 338,051 | 327,682 | 313,653 |
| Total liabilities and stockholders' equity | 3,026,478 | 3,064,564 | 3,056,421 | 2,967,274 |
CITIZENS FINANCIAL SERVICES INC (CZFS)
CITIZENS FINANCIAL SERVICES INC (CZFS)