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Citizens Financial Services, Inc. CZFS Interchange Revenue — Service Charges On Deposit Accounts
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Where this comes from
Reported directly by Citizens Financial Services, Inc. in its filing.
Tagged under the XBRL concept czfs:ServiceChargesOnDepositAccounts.
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
| Revenue stream | Three Months Ended / June 30, 2026 | Three Months Ended / June 30, 2025 | Six Months Ended / June 30, 2026 | Six Months Ended / June 30, 2025 |
|---|---|---|---|---|
| Service charges on deposit accounts | ||||
| Overdraft fees | $377 | $368 | $770 | $727 |
| Statement fees | 79 | 44 | 167 | 94 |
| Interchange revenue | 813 | 768 | 1,537 | 1,529 |
| ATM income | 26 | 29 | 54 | 60 |
| Other service charges | 93 | 94 | 184 | 184 |
| Total Service Charges | 1,388 | 1,303 | 2,712 | 2,594 |
| Trust | 200 | 183 | 435 | 407 |
Cover / Front Matter
FAQ
- What is Citizens Financial Services, Inc.'s interchange revenue — service charges on deposit accounts?
- Citizens Financial Services, Inc. (CZFS) reported interchange revenue — service charges on deposit accounts of $813K in Q2 2026.
- How has Citizens Financial Services, Inc.'s interchange revenue — service charges on deposit accounts changed year-over-year?
- Citizens Financial Services, Inc.'s interchange revenue — service charges on deposit accounts increased by 5.9% year-over-year, from $768K to $813K.
- What is the long-term trend for Citizens Financial Services, Inc.'s interchange revenue — service charges on deposit accounts?
- Over 4 years (2021 to 2025), Citizens Financial Services, Inc.'s interchange revenue — service charges on deposit accounts has grown at a 4.2% compound annual growth rate (CAGR), from $2.8M to $3.31M.
- What does interchange revenue — service charges on deposit accounts mean?
- This metric represents the recurring fee income generated from the maintenance and administration of customer deposit accounts, including checking and savings products. It reflects the bank's ability to monetize its core retail and commercial deposit base through account-related service fees. Consistent performance in this area indicates stable customer retention and effective fee-based service pricing strategies.
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