What are Citizens Financial Services, Inc.'s total assets?

Citizens Financial Services, Inc. (CZFS) holds $3.0B in total assets, up 0.3% year over year.

How much debt does Citizens Financial Services, Inc. have?

Citizens Financial Services, Inc. carries $198.7M in total debt against $343.6M of shareholders' equity, a debt-to-equity ratio of 0.58.

How much cash does Citizens Financial Services, Inc. have?

Citizens Financial Services, Inc. holds $33.1M in cash and equivalents.

Where does Citizens Financial Services, Inc.'s balance sheet data come from?

Every line is extracted from Citizens Financial Services, Inc.'s SEC filings (10-K and 10-Q) and tagged in XBRL. Switch between quarterly, annual, and trailing-twelve-month views, or open any line for its full history and peer comparisons.

Citizens Financial Services, Inc. CZFS Balance Sheet Statement

Income Statement Balance Sheet Cash Flow Ratios Segments

Quarterly Annual TTM

YoY

Simplified Detailed

	FY'25	FY'24	FY'23	FY'22
Cash and cash equivalents	$34.29M-18.7%	$42.2M-20.1%	$52.82M+102%	$26.21M-84.8%
Accounts receivable, net	$2.35B+1.6%	$2.31B+2.9%	$2.25B+30.4%	$1.72B+37,101%
Trading assets	$0—	$0—	$0—	$0—
Derivative assets	$6.93M-33.2%	$10.37M-24.2%	$13.69M-17.5%	$16.6M+314%
Loans held for sale	$9.39M-2.2%	$9.61M+2.4%	$9.38M+1,194%	$725K-84.1%
Property and equipment, net	$21M-1.9%	$21.4M+0.1%	$21.38M+21.4%	$17.62M+3.5%
Accumulated depreciation	$19.25M+3.1%	$18.68M+4.8%	$17.82M+6.7%	$16.71M+5.2%
Goodwill	$85.76M0.0%	$85.76M0.0%	$85.76M+173%	$31.38M0.0%
Intangible assets, net	$2.22M-23.2%	$2.89M-20.8%	$3.65M+187%	$1.27M-21.8%
Other non-current assets	$53.15M-2.7%	$54.63M-7.5%	$59.07M+129%	$25.8M+75.5%
Total investment securities	$1.82M+3.9%	$1.75M-9.9%	$1.94M-12.2%	$2.21M-2.7%
Available-for-sale securities	$110.69M-13.8%	$128.38M-13.1%	$147.81M-18.0%	$180.26M+66.0%
Held-to-maturity securities	$0—	$0—	$0—	$0—
Gross loans	$2.33B+1.6%	$2.29B+2.9%	$2.23B+30.5%	$1.71B+652%
Allowance for credit losses	$1.16M+72.0%	$676K-46.6%	$1.27M+667%	$165K0.0%
Total assets	$3.06B+1.3%	$3.03B+1.7%	$2.98B+27.5%	$2.33B+8.8%
Accrued expenses	$684K+0.3%	$682K+3.0%	$662K+31.6%	$503K-6.2%
Current portion of long-term debt	$282.3M+4.2%	$270.94M+6.1%	$255.32M+11.1%	$229.89M+393%
Accrued interest	$3.13M-33.3%	$4.69M+9.2%	$4.3M+249%	$1.23M+73.3%
Deposits	$2.38B-0.2%	$2.38B+2.6%	$2.32B+25.9%	$1.84B+0.4%
Noninterest-bearing deposits	$516.66M-3.0%	$532.78M+1.7%	$523.78M+32.2%	$396.26M+10.7%
Demand deposits	$473.86M-9.2%	$521.8M+24.4%	$419.47M+51.1%	$277.69M-15.8%
Time deposits	$473.86M-9.2%	$521.8M+24.4%	$419.47M+51.1%	$277.69M-15.8%
Deferred tax liabilities	$146K-11.5%	$165K-27.3%	$227K+195%	$77K-42.1%
Long-term debt	$309.45M+3.9%	$297.72M-7.6%	$322.04M+25.2%	$257.28M+248%
Other non-current liabilities	$32.86M-8.0%	$35.73M-10.5%	$39.92M+91.9%	$20.8M+12.9%
Total liabilities	$2.73B0.0%	$2.73B+1.1%	$2.7B+26.4%	$2.13B+10.5%
Preferred stock	$0—	$0—	$0—	$0—
Common stock	25M0.0%	25M0.0%	25M0.0%	25M0.0%
Additional paid-in capital	$147.97M+2.1%	$144.98M+1.2%	$143.23M+77.0%	$80.91M+3.2%
Retained earnings	$213.62M+12.8%	$189.44M+9.5%	$172.98M+4.9%	$164.92M+13.0%
Accumulated other comprehensive income (loss)	-$12.38M+47.4%	-$23.52M+5.6%	-$24.91M+24.8%	-$33.14M-21,281%
Treasury stock	$16.42M+0.2%	$16.38M-2.5%	$16.79M-1.1%	$16.97M+5.1%
Total stockholders' equity	$338.05M+12.8%	$299.73M+7.2%	$279.67M+39.7%	$200.15M-5.8%
Total liabilities and stockholders' equity	$3.06B+1.3%	$3.03B+1.7%	$2.98B+27.5%	$2.33B+8.8%
Available-for-Sale Debt Securities - Amortized Cost	$36.43M-24.1%	$47.99M+3.0%	$46.58M+109%	$22.33M+48.8%
Available-for-Sale Debt Securities - Amortized Cost (Due Within One Year)	$36.43M-24.1%	$47.99M+3.0%	$46.58M+109%	$22.33M+48.8%
Available-for-Sale Debt Securities - Unrealized Loss Position (>=12 Months)	$277.26M+88,864,003%	$312-100.0%	$392.45M+59.4%	$246.16M+1,237%
AFS and Trading Securities - Unrealized Loss Position (>=12 Months)	$277.26M-18.1%	$338.63M-13.7%	$392.45M+59.4%	$246.16M+1,237%
AFS and Trading Securities - Unrealized Loss Position (<12 Months) Fair Value	$42.5M-5.8%	$45.13M+322%	$10.69M-94.1%	$181.56M-14.1%
Available-for-Sale Debt Securities - Unrealized Loss Position (<12 Months)	$42.5M-5.8%	$45.13M+322%	$10.69M-94.1%	$181.56M-14.1%
Available-for-Sale Debt Securities - Unrealized Loss Position	$20.59M-39.7%	$34.17M-5.2%	$36.03M-24.2%	$47.54M+1,089%
AFS and Trading Securities - Unrealized Loss Position (>=12 Months) Fair Value	$277.26M-18.1%	$338.63M-13.7%	$392.45M+59.4%	$246.16M+1,237%
AFS and Trading Securities - Unrealized Loss Position Fair Value	$319.76M-16.7%	$383.76M-4.8%	$403.14M-5.7%	$427.73M+86.1%
AFS and Trading Securities - Unrealized Loss Position (<12 Months) Fair Value	$42.5M-5.8%	$45.13M+322%	$10.69M-94.1%	$181.56M-14.1%
Allowance for Credit Losses - Receivable (Current)	$22.81M+5.1%	$21.7M+2.6%	$21.15M+14.0%	$18.55M+7.2%
Cash, Cash Equivalents, and Marketable Securities	$319.76M-16.7%	$383.76M-4.8%	$403.14M-5.7%	$427.73M+86.1%
Equipment Installment Plan Receivables, Gross	$2.35B+1.6%	$2.31B+2.9%	$2.25B+30.4%	$1.72B+37,101%
Interest-bearing deposits in banks and other financial institutions	$10.36M-13.1%	$11.92M-21.0%	$15.09M+980%	$1.4M-99.1%
Allowance for Credit Losses on Financing Receivables - Individually Evaluated	$1.91M+0.5%	$1.9M-3.5%	$1.97M+1,833%	$102K-15.7%
Impaired Financing Receivable with No Related Allowance - Unpaid Principal Balance	$16.3M-18.7%	$20.05M+157%	$7.79M—	——
Financing Receivables	$2.33B+1.6%	$2.29B+2.9%	$2.23B+30.5%	$1.71B+652%
Loans and Lending Commitments	$2.33B+1.6%	$2.29B+2.9%	$2.23B+30.5%	$1.71B+652%
Available-for-Sale Debt Securities - Fair Value (Maturing 1 to 5 Years)	$114.1M-16.4%	$136.54M-13.9%	$158.5M-18.9%	$195.4M+80.5%
Loans 90+ Days Past Due	$229K-17.0%	$276K-46.5%	$516K+7,271%	$7K-84.8%
Purchased Credit Deteriorated Loans	$2.33B+1.6%	$2.29B+2.9%	$2.23B+30.5%	$1.71B+652%
Deferred Tax Assets and Other Non-Current Assets	$429K+28.4%	$334K-22.0%	$428K+161%	$164K+3.1%
Deferred Tax Assets - Loan Loss Reserves	$5.44M-0.2%	$5.45M-7.1%	$5.87M+28.1%	$4.58M-2.8%
Finite-Lived Intangible Assets - Expected Amortization Expense (Year One)	$297K-20.8%	$375K-18.3%	$459K+233%	$138K-29.6%
Finite-Lived Intangible Assets - Expected Amortization Expense (Year Five)	$238K-46.2%	$442K-38.1%	$714K+421%	$137K—
Finite Lived Intangible Assets - Gross	$5.43M-24.4%	$7.19M+0.3%	$7.17M+67.6%	$4.28M-3.7%
Foreclosed Assets	$2.36M-10.5%	$2.64M+456%	$474K-12.7%	$543K-54.0%
Goodwill and Intangible Assets, Net	$2.74M-2.4%	$2.8M-2.9%	$2.89M+23.9%	$2.33M+1.0%
Investments - Amortized Cost Basis	$462.52M+0.6%	$459.54M+1.4%	$453.34M-6.9%	$486.99M+18.2%
Net Investment in Lease	$10.6M+6.4%	$9.97M-10.3%	$11.12M+123%	$4.99M+52.8%
Bank Owned Life Insurance	$51.5M+2.3%	$50.34M+0.9%	$49.9M+26.8%	$39.36M+2.2%
Cash and Due from Banks	$23.93M-21.0%	$30.28M-19.7%	$37.73M+52.1%	$24.81M+76.6%
Deferred tax assets	$11.44M-24.7%	$15.2M-12.3%	$17.34M+34.6%	$12.89M+216%
Intangible assets — net	$2.22M-23.2%	$2.89M-20.8%	$3.65M+187%	$1.27M-21.8%
Other intangible assets—net	$2.22M-23.2%	$2.89M-20.8%	$3.65M+187%	$1.27M-21.8%
Interest-Bearing Deposits in Banks and Other Financial Institutions	$10.36M-13.1%	$11.92M-21.0%	$15.09M+980%	$1.4M-99.1%
Interest Bearing Time Deposits With Other Banks	$3.82M0.0%	$3.82M-6.1%	$4.07M-32.8%	$6.06M-45.1%
Mortgage Loans On Real Estate	$7.77M-12.9%	$8.93M-12.1%	$10.16M-0.2%	$10.18M-16.2%
Operating lease right-of-use assets	$10.6M+6.4%	$9.97M-10.3%	$11.12M+123%	$4.99M+52.8%
Other Assets	$53.15M-2.7%	$54.63M-7.5%	$59.07M+129%	$25.8M+75.5%
Property, plant and equipment at cost	$40.25M+0.4%	$40.07M+2.2%	$39.21M+14.2%	$34.33M+4.3%
Operating Lease Right-of-Use Assets in Other Assets	$10.6M+6.4%	$9.97M-10.3%	$11.12M+123%	$4.99M+52.8%
Tax Credit Carryforward Valuation Allowance	$0—	$0—	$0—	$0—
Time Deposit Maturities - After Year Five	$5.36M+46.4%	$3.66M+14.2%	$3.21M-44.4%	$5.77M0.0%
Time Deposit Maturities - Year One	$366.08M-8.4%	$399.5M+51.9%	$263.07M+70.9%	$153.93M-16.7%
Time Deposit Maturities - Year Two	$56.36M+8.6%	$51.88M-40.9%	$87.83M+72.4%	$50.95M-25.3%
Time Deposit Maturities - Year Three	$26.61M-36.1%	$41.62M+21.0%	$34.41M+8.6%	$31.69M-25.5%
Time Deposit Maturities - Year Four	$11.37M-29.8%	$16.19M-6.2%	$17.25M-8.5%	$18.85M+15.9%
Time Deposit Maturities - Year Five	$8.09M-9.7%	$8.95M-34.7%	$13.71M-17.0%	$16.51M+37.7%
Derivative Liabilities - Fair Value	$4.1M-29.5%	$5.82M-26.6%	$7.92M-18.5%	$9.73M+363%
Net Cash Collateral Posted - Derivative Instruments	$5.56M-44.4%	$10M-23.1%	$13M-6.5%	$13.9M+167%
Short-Term Debt - Weighted-Average Interest Rate	4.3%-0.5%	4.8%+0.2%	4.6%+2.0%	2.6%+1.1%
Current Uncertain Tax Liabilities	$0—	$0—	$0—	$0—
Debt Instrument Face Amount	$0-100%	$10K-99.4%	$1.66M—	$0—
Debt Maturity - 2024	$366.08M-8.4%	$399.5M+51.9%	$263.07M+70.9%	$153.93M-16.7%
Debt Maturity - 2025	$8.09M-9.7%	$8.95M-34.7%	$13.71M-17.0%	$16.51M+37.7%
Debt Maturity - 2027	$26.61M-36.1%	$41.62M+21.0%	$34.41M+8.6%	$31.69M-25.5%
Debt Maturity - 5 to 10 Years	$92.01M+28.4%	$71.65M-17.6%	$86.92M-5.5%	$92.02M-30.7%
Debt Maturity - Over 10 Years	$215.22M+10.0%	$195.64M+28.1%	$152.73M-7.9%	$165.8M+6.9%
Debt Maturity - Thereafter	$5.36M+46.4%	$3.66M+14.2%	$3.21M-44.4%	$5.77M0.0%
Deferred Tax Liabilities - Unrealized Gains on Trading Securities	$21K+600%	$3K—	$0-100%	$16K-73.8%
Deferred Tax Liabilities - Investments	$652K+6.7%	$611K+41.4%	$432K+80.0%	$240K+167%
Lease Liability Payments - Due After Year Five	$4.29M+2.8%	$4.17M-22.9%	$5.41M+130%	$2.35M+177%
Operating Lease Liability Payments - Thereafter (Lessee)	$4.29M+2.8%	$4.17M-22.9%	$5.41M+130%	$2.35M+177%
Interest-Bearing Deposit Liabilities	$1.86B+0.6%	$1.85B+2.9%	$1.8B+24.2%	$1.45B-2.0%
Total debt	$602.53M+4.1%	$578.76M-1.7%	$588.54M+19.6%	$492.18M+297%
Unrecognized Tax Benefits	$0—	$0—	$0—	$0—
AFS and Trading Securities - Unrealized Loss Position (>=12 Months) Accumulated Loss	$20.25M-39.1%	$33.27M-6.9%	$35.73M-0.4%	$35.89M+4,776%
AFS and Trading Securities - Unrealized Loss Position (<12 Months) Accumulated Loss	21+320%	50.0%	5—	——
AOCI - Available-for-Sale Securities, Net of Tax	-$14.05M+47.1%	-$26.56M+5.9%	-$28.24M+24.7%	-$37.51M-12,440%
Common Stock Par Value Per Share	$1.000.0%	$1.000.0%	$1.000.0%	$1.000.0%
Common Stock Shares Issued	5.3M+0.9%	5.2M+0.9%	5.2M+16.6%	4.4M+0.9%
Convertible Preferred Stock Authorized Shares	3M0.0%	3M0.0%	3M0.0%	3M0.0%
Convertible Preferred Stock Issued Shares	0—	0—	0—	0—
Common stock; $0.001 par value; 6,000 shares authorized; 3,755 and 3,751 shares issued and outstanding as of March 31, 2026 and December 31, 2025, respectively	$5.26M+0.9%	$5.21M+0.9%	$5.16M+16.6%	$4.43M+0.9%
Preferred stock; $0.001 par value; 100 shares authorized; no shares issued and outstanding	$0—	$0—	$0—	$0—
Treasury Stock, Value	$16.42M+0.2%	$16.38M-2.5%	$16.79M-1.1%	$16.97M+5.1%
Investments - Gross Unrealized Losses	$319.76M-16.7%	$383.76M-4.8%	$403.14M-5.7%	$427.73M+86.1%
Preferred Stock Par Value Per Share	$1.000.0%	$1.000.0%	$1.000.0%	$1.000.0%
Unrealized Gains on Investments	$2.82M+417%	$545K+91.2%	$285K+470%	$50K-98.9%
Unrealized Losses on Investments (Before Tax)	$20.59M-39.7%	$34.17M-5.2%	$36.03M-24.2%	$47.54M+1,089%
Nonperforming Loans and Leases Percentage	$16.3M-18.7%	$20.05M+157%	$7.79M-99.5%	$1.72B+37,101%
Components	——	——	——	361+162%
Cumulative Cost Basis	$462.52M+0.6%	$459.54M+1.4%	$453.34M-6.9%	$486.99M+18.2%
Gross Assets/Liabilities	$4.1M-29.5%	$5.82M-26.6%	$7.92M-18.5%	$9.73M+363%
Accumulated Other Comprehensive Income Loss Available For Sale Securities Adjustment Pre Tax	-$17.78M+47.1%	-$33.62M+5.9%	-$35.74M+24.7%	-$47.49M-12,434%
Accumulated Other Comprehensive Income Loss Available For Sale Securities Adjustment Tax	$3.73M-47.1%	$7.06M-5.9%	$7.51M-24.7%	$9.97M+12,412%
Accumulated Other Comprehensive Income Loss Interest Rate Swap Pre Tax	-$2.49M+41.3%	-$4.24M+22.1%	-$5.44M+20.8%	-$6.87M-260%
Accumulated Other Comprehensive Income Loss Interest Rate Swap Net Of Tax	-$1.97M+41.3%	-$3.35M+22.1%	-$4.3M+20.8%	-$5.43M-260%
Accumulated Other Comprehensive Income Loss Interest Rate Swap Tax	$521K-41.4%	$889K-22.2%	$1.14M-20.9%	$1.44M+460%
Accumulated Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Tax	$79K-2.5%	$81K-68.7%	$259K-7.5%	$280K-46.5%
Accumulated Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Pre Tax	$376K-2.3%	$385K-68.7%	$1.23M-7.9%	$1.34M-46.4%
Affordable Housing Program Expected Future Payments Next12Months	$605K-86.8%	$4.57M+12.6%	$4.06M—	——
Affordable Housing Program Expected Future Payments Thereafter	$121K-9.7%	$134K-1.5%	$136K—	——
Affordable Housing Program Expected Future Payments Due In Five Years	$14K+16.7%	$12K-36.8%	$19K—	——
Affordable Housing Program Expected Future Payments Due In Three Years	$296K-61.1%	$760K+513%	$124K—	——
Affordable Housing Program Expected Future Payments Due In Two Years	$491K-3.0%	$506K-76.7%	$2.17M—	——
Affordable Housing Program Expected Future Payments Due In Four Years	$12K0.0%	$12K-36.8%	$19K—	——
Affordable Housing Program Expected Future Payments Due	$1.54M-74.3%	$6M-8.1%	$6.53M—	——
Debt Securities, Available-for-Sale, Accumulated Gross Unrealized Loss, before Tax	$20.59M-39.7%	$34.17M-5.2%	$36.03M-24.2%	$47.54M+1,089%
Gross Unrealized Gains	$2.82M+417%	$545K+91.2%	$285K+470%	$50K-98.9%
Total	$462.52M+0.6%	$459.54M+1.4%	$453.34M-6.9%	$486.99M+18.2%
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10	$96.76M+21.9%	$79.37M-16.9%	$95.53M-7.7%	$103.46M-22.6%
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10	$92.01M+28.4%	$71.65M-17.6%	$86.92M-5.5%	$92.02M-30.7%
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year One Through Five	$114.1M-16.4%	$136.54M-13.9%	$158.5M-18.9%	$195.4M+80.5%
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five	$110.69M-13.8%	$128.38M-13.1%	$147.81M-18.0%	$180.26M+66.0%
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 10	$215.22M+10.0%	$195.64M+28.1%	$152.73M-7.9%	$165.8M+6.9%
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 10	$205.98M+15.2%	$178.77M+30.3%	$137.19M-5.6%	$145.36M-6.7%
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, Year One	$36.43M-24.1%	$47.99M+3.0%	$46.58M+109%	$22.33M+48.8%
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, Year One	$36.05M-23.5%	$47.12M+3.1%	$45.69M+109%	$21.86M+44.1%
Available for sale investments	$444.74M+4.4%	$425.91M+2.0%	$417.6M-5.0%	$439.51M+6.6%
Cash FDIC Insured Amount	$250K0.0%	$250K0.0%	$250K0.0%	$250K0.0%
Collateral already posted, aggregate fair value	$5.56M-44.4%	$10M-23.1%	$13M-6.5%	$13.9M+167%
Common stock, par value (in dollars per share)	$10.0%	$10.0%	$10.0%	$10.0%
Common stock, shares authorized (in shares)	$25M0.0%	$25M0.0%	$25M0.0%	$25M0.0%
Common stock, shares issued (in shares)	$5.26M+0.9%	$5.21M+0.9%	$5.16M+16.6%	$4.43M+0.9%
Other Contractual Commitments	$12.21M-6.1%	$13.01M-0.9%	$13.12M+7.3%	$12.23M0.0%
Debt Securities, Available-for-Sale, Allowance for Credit Loss	$0—	$0—	$0—	$0—
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	$20.25M-39.1%	$33.27M-6.9%	$35.73M-0.4%	$35.89M+4,776%
Less than 12 months	$42.5M-5.8%	$45.13M+322%	$10.69M-94.1%	$181.56M-14.1%
12 months or more	$277.26M-18.1%	$338.63M-13.7%	$392.45M+59.4%	$246.16M+1,237%
Number of Securities, Greater than 12 months	$242-22.4%	$312-3.4%	$323—	——
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	$345K-61.7%	$900K+204%	$296K-97.5%	$11.65M+257%
Debt Securities, Available-for-Sale, Unrealized Loss Position, Accumulated Loss	$20.59M-39.7%	$34.17M-5.2%	$36.03M-24.2%	$47.54M+1,089%
Debt Securities, Available-for-Sale, Unrealized Loss Position, Number of Positions	——	——	——	$361+162%
Debt Securities, Available-for-Sale, Unrealized Loss Position	$319.76M-16.7%	$383.76M-4.8%	$403.14M-5.7%	$427.73M+86.1%
Deferred Tax Liabilities, Gross	$8.6M-2.4%	$8.81M-5.0%	$9.28M+41.9%	$6.54M+25.5%
Deferred Tax Asset Purchased Credit Deteriorated Loans Interest Rate	$3.58M-14.9%	$4.2M-12.4%	$4.8M—	$0—
Deferred Tax Assets Allowance For Losses On Available For Sale Securities	$112K-13.8%	$130K-11.6%	$147K+1,533%	$9K+125%
Deferred Tax Assets Interest On Non Accrual Loans	$1.89M+18.8%	$1.59M+25.7%	$1.26M+29.7%	$974K+22.5%
Deferred Tax Assets, Net	$11.44M-24.7%	$15.2M-12.3%	$17.34M+34.6%	$12.89M+216%
Deferred Tax Assets Low Income Housing Tax Credits	$0-100%	$15K-65.9%	$44K-68.1%	$138K+0.7%
Deferred Tax Assets, Net of Valuation Allowance	$20.04M-16.5%	$24.01M-9.8%	$26.61M+37.0%	$19.42M+109%
Deferred Tax Assets, Operating Loss Carryforwards	$898K-38.4%	$1.46M-40.9%	$2.47M+118%	$1.13M-7.5%
Deferred Tax Assets Tax Deferred Expense Other Real Estate Owned	$16K0.0%	$16K0.0%	$16K-50.0%	$32K+100%
Allowance for unfunded lending related commitments	$684K+0.3%	$682K+3.0%	$662K+31.6%	$503K-6.2%
Accrued expenses	$301K-2.3%	$308K+9.6%	$281K+79.0%	$157K-6.5%
Deferred Tax Assets Tax Deferred Expense Right Of Use Asset	$2.26M+6.7%	$2.12M-9.7%	$2.35M+123%	$1.05M+53.5%
Deferred Tax Assets Unrealized Losses On Availablefor Sale Securities Gross	$3.73M-47.1%	$7.06M-5.9%	$7.51M-24.7%	$9.97M—
Deferred Tax Assets, Valuation Allowance	$0—	$0—	$0—	$0—
Deferred Tax Liabilities Borrowings Fair Value Adjustment	$59K-76.8%	$254K-50.3%	$511K—	$0—
Deferred Tax Liabilities Compensation And Benefits Pensions And Other Retirement Obligation	$119K-21.7%	$152K—	$0—	——
Deferred Tax Liabilities, Deferred Expense, Debt Issuance Costs	$1.06M+13.2%	$933K+8.6%	$859K+25.4%	$685K+6.4%
Deferred Tax Liabilities Deferred Low Income Housing Tax Credits	$17K—	$0—	——	——
Mortgage servicing rights	$120K-25.0%	$160K-20.4%	$201K-2.0%	$205K-16.7%
Deferred Tax Liabilities, Other	$146K-11.5%	$165K-27.3%	$227K+195%	$77K-42.1%
Deferred Tax Liabilities, Property, Plant and Equipment	$926K+24.3%	$745K+9.7%	$679K+38.0%	$492K-12.0%
Deferred Tax Liabilities Right Of Use Asset	$2.23M+6.4%	$2.09M-10.3%	$2.33M+123%	$1.05M+52.8%
Deferred Tax Liabilities Unrealized Gains On Interest Rate Swap	$522K-41.3%	$890K-22.1%	$1.14M-20.8%	$1.44M+260%
Defined Benefit Pension Plan Current And Noncurrent Liabilities	$529K+2.9%	$514K-15.7%	$610K-7.6%	$660K-5.2%
Money market deposit account	$480.51M+10.5%	$434.86M+8.7%	$400.15M+19.2%	$335.84M-4.1%
Deposits, Negotiable Order of Withdrawal (NOW)	$593.83M+2.1%	$581.67M-13.3%	$670.71M+30.9%	$512.5M+5.6%
Derivative Liability	$4.1M-29.5%	$5.82M-26.6%	$7.92M-18.5%	$9.73M+363%
Number of derivative instruments held	5-16.7%	60.0%	60.0%	60.0%
Expenses Benefit Associated With Split Dollar Benefit	-$51K+46.9%	-$96K-92.0%	-$50K-38.9%	-$36K-500%
Financing and other contractual commitments	$12.21M-6.1%	$13.01M-0.9%	$13.12M+7.3%	$12.23M0.0%
Federal Home Loan Bank First Loss Position For MPF Portfolio	$171K+1.8%	$168K+1.8%	$165K+2.5%	$161K+2.5%
Financing Receivable Allowance For Credit Loss And Off Balance Sheet Credit Loss Liability	$23.97M+7.1%	$22.38M-0.2%	$22.42M+19.8%	$18.72M+7.1%
Loans collectively evaluated for impairment - associated allowance	$20.89M+5.5%	$19.8M+3.2%	$19.18M+4.0%	$18.45M+7.4%
Loans collectively evaluated for impairment	$2.31B+1.0%	$2.29B+2.3%	$2.24B+30.8%	$1.71B+20.2%
Financing Receivable Nonaccrual With Allowance For Credit Loss	$10.3M+82.3%	$5.65M+28.4%	$4.4M-36.6%	$6.94M—
With an allowance	$229K-17.0%	$276K-46.5%	$516K+7,271%	$7K-84.8%
Financing Receivable Recorded Investment Non Performing Loans	$26.83M+3.3%	$25.98M+104%	$12.7M+82.9%	$6.95M—
Financing Receivable Recorded Investment Total Past Due And Non Accrual	$26.6M+3.5%	$25.7M—	——	$3.57M-1.5%
Financing Receivable Recorded Investment Total Past Due And Still Accruing	$2.32B+1.6%	$2.29B—	——	$3.45M+241%
Finite Lived Intangible Asset Expected Amortization After Year Four	——	——	——	——
Finite-Lived Intangible Assets, Accumulated Amortization	$3.21M-25.3%	$4.3M+22.1%	$3.52M+17.1%	$3.01M+6.8%
2028	$489K-17.1%	$590K-16.4%	$706K+138%	$297K-18.6%
2030	$297K-20.8%	$375K-18.3%	$459K+233%	$138K-29.6%
Remainder of 2026	——	——	——	——
2027	$600K-17.1%	$724K-14.2%	$844K+118%	$388K-15.8%
2029	$387K-18.9%	$477K-16.6%	$572K+170%	$212K-23.7%
Finite Lived Intangible Assets Amortization Expense After Year Five	$238K-46.2%	$442K-38.1%	$714K+421%	$137K—
Gross Carrying Amount	$5.43M-24.4%	$7.19M+0.3%	$7.17M+67.6%	$4.28M-3.7%
Holding Of Collateral Aggregate Fair Value	$3.32M-48.9%	$6.5M-40.4%	$10.9M—	——
Brokered deposits	$60M-35.5%	$93.06M-14.9%	$109.28M+583%	$16.01M—
Direct	$473.86M-9.2%	$521.8M+24.4%	$419.47M+51.1%	$277.69M-15.8%
Interest Bearing Domestic Deposit Demand	$25.58M+42.1%	$18M—	$0—	——
Amount outstanding under the credit facility	$0-100%	$10K-99.4%	$1.66M—	$0—
2028	$0—	$0-100%	$40.29M+303%	$10M—
2029	$0—	$0—	$0—	$0-100%
2029	$0—	$0—	$0—	$0—
2030	$0—	$0—	$0—	$0—
Thereafter	$27.15M+1.4%	$26.78M+1.3%	$26.43M+52.0%	$17.39M+0.1%
2027	$282.3M+4.2%	$270.94M+6.1%	$255.32M+11.1%	$229.89M+393%
Marketable Securities	$1.82M+3.9%	$1.75M-9.9%	$1.94M-12.2%	$2.21M-2.7%
Net Affordable Housing Tax Credit Investments	$7.14M-9.8%	$7.92M—	——	——
Net Affordable Housing Tax Unfunded Commitments	$1.54M-74.3%	$6M—	——	——
Number Of Classifications Of Investment Securities	30.0%	30.0%	30.0%	30.0%
Off-Balance-Sheet, Credit Loss, Liability	$1.16M+72.0%	$676K-46.6%	$1.27M+667%	$165K0.0%
Preferred Stock, Par or Stated Value Per Share	$10.0%	$10.0%	$10.0%	$10.0%
Preferred Stock, Shares Authorized	$3M0.0%	$3M0.0%	$3M0.0%	$3M0.0%
Preferred Stock, Shares Issued	$0—	$0—	$0—	$0—
Real Estate Loans Serviced For Freddie Mac And Fannie Mae	$181.68M-6.1%	$193.51M-5.0%	$203.71M+8.5%	$187.75M-4.7%
Regulatory Lending Limit	$46.27M+7.5%	$43.05M+5.5%	$40.82M+22.2%	$33.41M+11.9%
Amount available for dividend payments to parent company without prior regulatory approval	$31.72M+50.3%	$21.11M-29.5%	$29.94M-30.2%	$42.88M+40.9%
Time Deposit Maturities, Year Four	$11.37M-29.8%	$16.19M-6.2%	$17.25M-8.5%	$18.85M+15.9%
2027	$366.08M-8.4%	$399.5M+51.9%	$263.07M+70.9%	$153.93M-16.7%
Time Deposit Maturities, Year Three	$26.61M-36.1%	$41.62M+21.0%	$34.41M+8.6%	$31.69M-25.5%
Time Deposit Maturities, Year Two	$56.36M+8.6%	$51.88M-40.9%	$87.83M+72.4%	$50.95M-25.3%
Time Deposits	$473.86M-9.2%	$521.8M+24.4%	$419.47M+51.1%	$277.69M-15.8%
Time Deposits250000Or More	$138.37B-27.6%	$191.02B+201,367%	$94.81M+68.4%	$56.29M-29.3%
Treasury stock, shares (in shares)	$448.73K+0.2%	$447.97K-1.3%	$453.76K-0.6%	$456.48K—
Unrecognized tax benefits	$0—	$0—	$0—	$0—
Weighted Average Interest Rate On Overdrawn Demand Deposit	4%-0.7%	4.7%-0.7%	5.5%+1.8%	3.7%+2.1%
Purchase Obligation	$515.58M+16.7%	$441.92M-21.7%	$564.69M+24.5%	$453.42M+54.7%
Remainder of Fiscal Year 2024	——	——	——	——
Remainder of Fiscal Year 2025	——	——	——	——

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Questions, answered.

What are Citizens Financial Services, Inc.'s total assets?: Citizens Financial Services, Inc. (CZFS) holds $3.0B in total assets, up 0.3% year over year.
How much debt does Citizens Financial Services, Inc. have?: Citizens Financial Services, Inc. carries $198.7M in total debt against $343.6M of shareholders' equity, a debt-to-equity ratio of 0.58.
How much cash does Citizens Financial Services, Inc. have?: Citizens Financial Services, Inc. holds $33.1M in cash and equivalents.
Where does Citizens Financial Services, Inc.'s balance sheet data come from?: Every line is extracted from Citizens Financial Services, Inc.'s SEC filings (10-K and 10-Q) and tagged in XBRL. Switch between quarterly, annual, and trailing-twelve-month views, or open any line for its full history and peer comparisons.