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Citizens Financial Services, Inc. CZFS Net Interest Income (After Provisions)
Net Interest Income (After Provisions) at other companies
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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:InterestIncomeExpenseAfterProvisionForLoanLoss.
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 |
|---|---|---|---|---|
| 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: | ||||
| Service charges | 1,388 | 1,303 | 2,712 | 2,594 |
| Trust | 200 | 183 | 435 | 407 |
| Brokerage and insurance | 640 | 627 | 1,209 | 1,310 |
Cover / Front Matter
FAQ
- What is Citizens Financial Services, Inc.'s net interest income (after provisions)?
- Citizens Financial Services, Inc. (CZFS) reported net interest income (after provisions) of $25.19M in Q2 2026.
- How has Citizens Financial Services, Inc.'s net interest income (after provisions) changed year-over-year?
- Citizens Financial Services, Inc.'s net interest income (after provisions) increased by 10.0% year-over-year, from $22.9M to $25.19M.
- What is the long-term trend for Citizens Financial Services, Inc.'s net interest income (after provisions)?
- Over 4 years (2021 to 2025), Citizens Financial Services, Inc.'s net interest income (after provisions) has grown at a 10.3% compound annual growth rate (CAGR), from $64.56M to $95.63M.
- What does net interest income (after provisions) mean?
- Calculated as net interest income minus the provision for credit losses, representing the net revenue available after accounting for the expected cost of credit risk. This metric provides a more accurate view of the bank's bottom-line interest-based earnings after adjusting for potential loan defaults.
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