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Citizens Financial Services, Inc. CZFS Business Segments — Interest Expense Operating
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Where this comes from
Reported directly by Citizens Financial Services, Inc. in its filing.
Tagged under the XBRL concept us-gaap:InterestExpenseOperating.
The source filing: Citizens Financial Services, Inc.’s 10-Q, filed August 6, 2026.
- Filed
- Aug 6, 2026, 6:02 AM EDT
- Fiscal quarter
- Q2 FY2026
- Calendar quarter
- Q2 2026
- Accession
- 0001140361-26-031479
| CITIZENS FINANCIAL SERVICES, INC. / CONSOLIDATED STATEMENT OF INCOME / (UNAUDITED) / (in thousands, except share and per share data) | Three Months Ended / June 30, 2026 | Three Months Ended / June 30, 2025 | Six Months Ended / June 30, 2026 | Six Months Ended / June 30, 2025 |
|---|---|---|---|---|
| INTEREST EXPENSE: | ||||
| Deposits | 11,160 | 11,449 | 22,465 | 23,743 |
| Borrowed funds | 2,651 | 3,652 | 5,510 | 7,370 |
| TOTAL INTEREST EXPENSE | 13,811 | 15,101 | 27,975 | 31,113 |
| NET INTEREST INCOME | 25,694 | 23,648 | 51,807 | 46,650 |
| Provision for credit losses | 500 | 750 | 1,000 | 1,375 |
| NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES | 25,194 | 22,898 | 50,807 | 45,275 |
| NON-INTEREST INCOME: |
Cover / Front Matter
FAQ
- What is Citizens Financial Services, Inc.'s business segments — interest expense operating?
- Citizens Financial Services, Inc. (CZFS) reported business segments — interest expense operating of $13.81M in Q2 2026.
- How has Citizens Financial Services, Inc.'s business segments — interest expense operating changed year-over-year?
- Citizens Financial Services, Inc.'s business segments — interest expense operating decreased by 8.5% year-over-year, from $15.1M to $13.81M.
- What is the long-term trend for Citizens Financial Services, Inc.'s business segments — interest expense operating?
- Over 3 years (2022 to 2025), Citizens Financial Services, Inc.'s business segments — interest expense operating has grown at a 76.0% compound annual growth rate (CAGR), from $11.22M to $61.17M.
- What does business segments — interest expense operating mean?
- Measures the costs incurred by the community banking segment to fund its operations, primarily through interest paid on deposits and other borrowings. This metric is critical for assessing the segment's cost of funds and its sensitivity to interest rate fluctuations. Managing this expense is vital for maintaining healthy net interest margins.
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