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Citizens Financial Services, Inc. CZFS Interest Bearing Time Deposits With Other Banks

Interest Bearing Time Deposits With Other Banks at other companies

Bank7 Corp. logo
Bank7 Corp.BSVN
$112K+10.9%
Southern Missouri Bancorp logo
Southern Missouri BancorpSMBC
$248K+1.2%
First Mid Bancshares, Inc. logo
First Mid Bancshares, Inc.FMBH
$411.19M+328%
Simmons First National logo
Simmons First NationalSFNC
$100K0.0%
Bank7 Corp. logo
Bank7 Corp.BSVN
$0-100%
State Street logo
State StreetSTT
$123.57B+3.4%

Other financials

Income statement

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Revenue$29.8M+12.8%
Net income$10.4M+36.2%
EPS (diluted)$2.16+35.8%

Balance sheet

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Cash & equivalents$33.1M-10.0%
Total debt$198.7M-34.2%
Total equity$343.6M+11.4%
Total assets$3.0B+0.3%

Cash flow

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Operating cash flow$18.0M+64.6%
CapEx$125.0K-78.6%
Free cash flow$17.9M+72.7%

Valuation

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Market cap$341.1M+26.0%
Enterprise value$506.74M-5.4%
P/E8.7×-0.9×
P/S+0.3×

Profitability

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Net margin34%+6.2pp
FCF margin37%+8.8pp

Returns & leverage

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Return on equity12.1%+2.4pp
Debt / equity0.6×-0.4×

Where this comes from

Reported directly by Citizens Financial Services, Inc. in its filing.

Tagged under the XBRL concept czfs:InterestBearingTimeDepositsWithOtherBanks.

The official record: Citizens Financial Services, Inc.’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Citizens Financial Services, Inc.'s interest bearing time deposits with other banks?
Citizens Financial Services, Inc. (CZFS) reported interest bearing time deposits with other banks of $3.82M in Q1 2026.
How has Citizens Financial Services, Inc.'s interest bearing time deposits with other banks changed year-over-year?
Citizens Financial Services, Inc.'s interest bearing time deposits with other banks decreased by 0.0% year-over-year, from $3.82M to $3.82M.
What is the long-term trend for Citizens Financial Services, Inc.'s interest bearing time deposits with other banks?
Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s interest bearing time deposits with other banks has grown at a -22.6% compound annual growth rate (CAGR), from $13.76M to $3.82M.
What does interest bearing time deposits with other banks mean?
These are funds placed in time-restricted accounts at other financial institutions that earn interest over a specified maturity period. This asset class represents a low-risk, interest-generating use of excess liquidity that is not immediately required for daily operations. It reflects the bank's strategy for managing short-term surplus capital while maintaining safety.