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Regulatory Lending Limit at other companies

Metropolitan Bank Holding Corp. logo
Metropolitan Bank Holding Corp.MCB
$577.26M+11.4%
U.S. Bancorp logo
U.S. BancorpUSB
10%0.0pp
Banner Corporation logo
Banner CorporationBANR
$1.11B+2.9%
Norwood Financial logo
Norwood FinancialNWFL
$151.42M+7.4%
ESQ
Esquire Financial Holdings, Inc.ESQ
$150.16M+26.1%
Kearny Financial logo
Kearny FinancialKRNY
$389.43M+1.9%

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:RegulatoryLendingLimit.

The official record: Citizens Financial Services, Inc.’s 10-K, filed March 12, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Citizens Financial Services, Inc.'s regulatory lending limit?
Citizens Financial Services, Inc. (CZFS) reported regulatory lending limit of $46.27M in Q4 2025.
How has Citizens Financial Services, Inc.'s regulatory lending limit changed year-over-year?
Citizens Financial Services, Inc.'s regulatory lending limit increased by 7.5% year-over-year, from $43.05M to $46.27M.
What is the long-term trend for Citizens Financial Services, Inc.'s regulatory lending limit?
Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s regulatory lending limit has grown at a 10.9% compound annual growth rate (CAGR), from $27.61M to $46.27M.
What does regulatory lending limit mean?
This defines the maximum amount of credit that the bank is legally permitted to extend to a single borrower or related group of borrowers based on regulatory capital constraints. It is a critical metric for assessing the bank's risk concentration and its capacity to participate in large commercial lending opportunities. Adherence to this limit is essential for maintaining regulatory compliance and managing credit risk exposure.